Identity fraud can range from passing bad checks and using stolen credit cards to taking over another person's total financial existence.  After obtaining a loan or running up credit card charges, the thief typically disappears never to be seen again, and leaving a ruined credit rating that may take you years to correct.

Efforts to protect yourself from identity fraud may include the following:

• Shred any documents and other information that contains your credit card, Social Security, or driver's license numbers before throwing them away.
• Use passwords other than names  - don't carry pin numbers and passwords with you - memorize them.
• Be careful when disclosing personal information and account numbers over the phone, by mail, or on the Internet - make sure that you are dealing with a reputable company. Find out how your information will be used and who else might have access to it
• Sign and activate new cards immediately
• Don't lend your credit card to anyone. You're responsible for paying the bill, and any problems with the bill can damage your credit rating.
• Notify your credit card issuer immediately if you do not receive your statements as scheduled. Someone may have taken them from your mailbox.
• Keep good records. Save receipts and compare them with your monthly bill. Immediately report any problems or concerns to the credit card company. If you order by mail, phone or online, keep printouts or copies of invoices and order forms with details about the transaction
• Check your credit report once or twice a year to make sure it is correct;
• Have your name removed form mailing lists operated by credit agencies and companies offering credit promotions
  
  Make a complete list of all your credit cards, their numbers, and the emergency contact phone numbers. Store this information in a safe place. You'll need this information to report lost or stolen cards. If you become a victim, notify the credit card company and other businesses with specific details. Also, file a police report to provide documentation of the scam.