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Identity thieves are becoming more sophisticated as they become more experienced with their fraudulent trade. Identity theft is becoming rampant. Online predators steal the personal information and money of unsuspecting individuals.

Here are a few suggestions on how to avoid becoming a victim of online fraud.

1. Do not reply to emails saying something like: "Your account will be closed until you have updated your information in our system," "Due to a recent data crash, we have lost your personal information. Please click on the following link and update your credit card information." These crooks are using duplicate email accounts and logos. If you are not sure of the validity of an email, contact the financial institution or merchant to verify if they are indeed the ones soliciting the update.

2. Do not provide personal information if the site is not secure and you have not verified the SSL security seal. The first thing you will notice when going to a secure payment site is that the prefix of the web address will be, "https", not just "http" as seen in the address of other websites.

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3. Look for the little lock icon that appears in the lower right hand corner of the page. Be cautious because this lock icon can also be duplicated. Always click on it to check authentication.

4. Purchase Credit Monitoring. Sign up for some sort of credit monitoring service. There are a number of websites available which provide this service and finding one is quite simple. Not only will these sites provide you will continuous updates on any changes made to your credit report, but they will also alert you if there is any unusual activity. By continuously monitoring your credit you can save yourself some of the headaches associated with identity theft and credit card fraud.

5. If you ever become a victim, it can include check fraud, credit card fraud, financial identity theft, criminal identity theft, governmental identity theft, and identity fraud, report the matter immediately to:

identity theft