As the saying goes, if you’re not part of the solution, you’re part of the problem. Fortunately, providing solutions is easier than you think.

Given that fraud and identity theft have claimed a mainstream spotlight in the past few years — impacting over 18 million in the U.S. in 2013 and leading FTC complaints for 15 years running — it might seem as though the average consumer would be well acquainted with these topics. However, being aware of a problem and grasping the full depth of the problem are not one and the same.

Without a clear understanding, consumers tend to jump to conclusions and fill in blanks with inaccurate information. And for matters as critical as those threatening one’s personal information and finances, consumers are largely being led by fear. In fact, a 2014 nationwide study by Chapman University found that Americans’ second greatest personal fear is “becoming the victim of identity theft.” Continue reading →