IDENTITY THEFT

Here's how they work:

Someone gets your personal information and runs up charges in your name. They might use your Social Security or Medicare number, your credit card, or your medical insurance - along with your good name.

Here are signs that someone is using your identity: You get bills for things you didn't buy or services you didn't use. Your bank account has withdrawals you didn't make. You don't get bills you expect. Or you check your credit report and find accounts you never knew about.

Here's what to do:

1. Stop. Check it out.  Shred documents before you throw them out, give your Social Security number only when you must, and use strong passwords online.
    
2. Check your monthly statements and your credit. Read your account statements and explanations of benefits. Be sure you recognize what they show. Once a year, get your credit report for free from AnnualCreditReport.com or 1-877-322-8228. The law entitles you to one free report each year from each credit bureau. If you see something you don't recognize, deal with it right away.