One of the worst things about identity theft is that victims may not know a crime has been committed against them until it's too late. That's why I'm providing information that could help protect you and your family.

Review your credit report. Make sure there are no surprises on your report; it's especially important to review the inquiries section since a significant number of unknown inquiries from creditors might indicate that a thief is trying to open accounts in your name. Contact all three major credit bureaus:

• Equifax (www.equifax.com)
• TransUnion (www.transunion.com)
• Experian (www.experian.com)

Watch your mail. Be aware of your billing cycle. If a credit card or bank statement does not arrive on time, follow up with the lender. Personally deliver sensitive outgoing mail to a secured mailbox.

Be cautious. Thieves may stand close at the ATM or in checkout lines, hoping to obtain information. Your best defense is to be well aware of your surroundings.

Protect your Social Security number. Even when you apply for a new line of credit, the only information that's needed is your name, current address, and former address. You should only give someone your Social Security number when you might generate some form of taxable income from the event, like accepting a new job or earning income on your investments.