The letter I got in the mail came out of the blue from a bank I’ve never done business with. I was informed they had received my application to open a Frontier Airlines credit card, but were declining the request. The trouble was I hadn’t applied for any credit cards (I also never fly Frontier). Cue my internal panic. After calling the bank and checking my credit reports, I discovered the truth: A fraudster, presumably with my Social Security number and other personal information from a data breach, had ...