We are all in the same boat. I applied for a mortgage to find out my wifes ID had been stolen. It took 10 hours a week for for 4 months to straigthen out the problem. No corporation, bank, credit agency believed us and wanted to collect before they were forced to admit that her ID was stolen. Crazy f`ing system. I paid 7% interest on that house instead of 3.5%:O(
2 years later we applied for another mortgage and were told my wife had died. Since she was sitting with me applying for the mortgage, we were stunned again.