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For example, individuals may act in a completely trustworthy fashion for a long period of time and then behave fraudulently or criminally. Due to the rise in identity theft and the fact that government agencies are notorious for screwing things up... If an employer requires a credit or criminal background check, ask the employer to send you copies of all your records, too. Like every new employee, she filled out a W-2 tax form, which required her name, address and Social Security number. Don't carry your Social Security card or any extra identification or credit cards in your wallet.

"Identity theft is often considered a victimless crime," says Foley. Get your Social Security earnings report at least once a year to make sure everything is correct.

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