Identity fraud is a very specific type of crime where an imposter uses your name and credit records. Many countries have made identity theft a felony. Many victims of identity fraud have been unknowingly impersonated for years.

It is impossible to completely insulate yourself against identity fraud, some say. But you can protect yourself by following these tips:

• Do not disclose your identity numbers casually. It is prized information for crooks.
• Do not print your identity number on checks.
• Keep your credit cards and bank account numbers secure. Do not give them out to telemarketers who phone you.
• Make sure credit cards and receipts are returned following transactions.
• If you hire household workers, lock up financial documents.
• Double-check your credit card bills to ensure all charges are your own.
• If you don't receive a monthly bill, phone the company immediately and ask if it was mailed and what address.
• Mail all bills directly at post office or box. Never simply put them in your mailbox and wait for the mail carrier to take them.