A Flagstaff tractor business owner accused of taking out fake loans under the names of past customers has been indicted on fraud and forgery charges.

According to the indictment, 39-year-old Jill R. Lowell faces fraud, theft, aggravated taking the identity of another, forgery, attempted fraud and one count of giving false information to police.

Flagstaff police say the investigation revealed that Lowell's tractor business was going through tough times.

According to the investigation, Lowell took out legitimate loans to keep the business going. But when she started getting behind once more, police allege Lowell took credit information from customers who had applied for loans previously.

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Police believe Lowell would then pose as those customers and take out loans in their names to pay off the legitimate loans.

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Information from: Arizona Daily Sun, http://www.azdailysun.com/