Eleanor recently visited a bank to get a car loan. Upon reviewing her credit score, the bank decided to deny her request for a car loan. Eleanor decided to check her credit report herself. There, she found three accounts that she didn't open, and they were all past due for payment. Eleanor was a victim of (a. bank fraud / b. identity theft) and should check her (a. credit card disclosure agreement / b. credit report) more often to avoid being surprised in the future.