So how does an ‘undocumented’ person go about getting a loan? Do they ‘borrow’ someone else’s identity? I hope my credit score isn’t negatively affected because one of the undocumented decided to borrow my identity and then walk away from ‘their’ obligations.

Is ‘negatively affected’ too harsh of a term when used in the context of the undocumented? Perhaps I should have said ‘non-positively affected’.