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Identity theft is often in the news, but there are a lot of misconceptions swirling around about how to best protect yourself.

While some identity thieves focus on getting your credit cards and maxing them out before you even realize your cards are missing, an increasing number are using otherpieces of information about you -- such as online shopping account or email login credentials -- in order to steal your entire identity.

Reviewing your credit report on a regular basis is also a good idea, but usually by the time a fraudulent transaction reaches your credit report, it's too late. If an ATM or store terminal looks funny, don't use it.

"Make sure there is no device attached to any ATM card slot you use," says Wells.

"Sign your credit card with a Sharpie so your signature can't be erased and written over," suggests Echo Montgomery Garrett, a writer in Marietta, Georgia.

Though Browne had activated the card, she forgot to remove the sticker.

"The thieves must have known that you have to activate a new card from the phone number listed with the credit card company, so they didn't bother with it," she said, and since then, she leaves the activation stickers on all of her cards. If a cashier or salesperson takes your card and either turns away from you or takes too long to conduct what is usually a normal transaction, she may be scanning your card into a handheld skimming terminal to harvest the information.

"Secure birth certificates, Social Security cards, passports, in a safe deposit box or in a safe hidden at home," she says.

"And that includes credit cards when not in use." 2.

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