Identity theft is a serious crime that exploded in the 1990?s and continues to grow.  It occurs when someone obtains or attempts to obtain your personal identifying information (name, address, account numbers, social security number, etc.) for his own use.  The thief may apply for new credit, loans, or even a job using your personal information.

You may not realize it until it has already happened.  For example, you answer the telephone and hear a collection agency demanding payment on an account that you never had or you read your credit card statement and notice there are charges for things you did not buy.  What happened?  You may have been a victim of identity theft.

Identity theft probably cannot be entirely prevented but you can take steps to minimize risk by managing your personal information with heightened awareness and security.