Recovering from a stolen identity is not an easy task. Identity theft can be in several forms – stolen information or stolen credit card details, the end result is still the same: unexplainable debt.

Identity theft is one of the most rampant crimes in the United States, with 900,000 cases reported each year. What’s worst is that in some states, there are no laws to prosecute people guilty of identity theft. And, it isn’t like a house robbery wherein a victim can report to the police in 24 hours. It usually takes months to a year before a person is even aware he or she is drowning in debt that he or she did not even know about.

Think of the inconvenience of having your identify and finances stolen. Here are ways you can protect yourself from identity theft.

Be assertive and annually check your credit reports. This is how you’ll know if there’s something wrong. The three major credit bureaus are Experian, Trans Union, and Equifax. Contact them to get a copy of your credit report every year, and read them carefully for any suspicious findings. If you encounter some inaccuracies, have these reported the soonest possible time.

Keep your Social Security Number to your self.

Never give this out, even to bankers on the phone. You have the right to not give it out even when companies say it is for mere records. Ask if you can give them another identification number, such as a driver’s license number. Do not store your SSN in your wallet, or your cell phone. Memorize it, and do not write it anywhere.

Remember your billing cycles.

Know when your payment for a utility is due, and understand the bilking cycles of your credit cards.  Expect your bills on time, and if any is late, inquire immediately with the issuing bank. This is because bills could get delayed if someone has called in to change information. This could be someone who has stolen your identity and is using your credit card illegally.