The most recent fiasco at Target has elevated the conversations people are having about identity thefts and how to get better protections.

First, never let anyone stand close to you or behind you when you are using your credit or debit cards.

Second, the Federal Trade Commission (FTC) has set forth many steps that are most useful for protection.  Call  (877) 438-4338 or visit their website  www.consumer/gov/idtheft.

Third, as we have repeated over the years, you should monitor your credit records and get a free report every year from Equifax, Experian and Transunion. Call (877)322-8228 or visit their website .