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If you become a victim of identity theft, you could end up with big bills, a bad credit rating and on average, 400 hours of work to sort everything out! It pays to reduce your risk. So how can you prevent this? Lock all personal documents somewhere safe when not using them. Don’t carry personal information outside your home unless you really have to. Ensure you have a secure lockable letterbox. Tear, cut up or shred all old records, files, bills, expired credit cards or other cards before putting them in the bin. Don’t respond to suspicious mail or email. Don’t store personal details on mobile phones. Avoid giving personal or financial information over the phone. Install caller ID on your phone and record the numbers of unusual calls. Check your credit statements monthly and your credit file every six months.