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I use Mint.com, which is a free aggregation service that allows you to put all your accounts on there and monitor everything at once. It's also a good idea to check your credit report at least twice a year to make sure no one has stolen your identity. I'd try to stick to reputable sites or at least to sites that have reviews.A lot of times they'll create these stores that sell things that are widely searched for at prices that are incredibly low.Credit cards are much better at protecting you against fraud. De Felippi: You've probably heard this before, but the most important thing really is to watch your accounts.And if you're worried about debt, you can always pay them off every month. And I don't mean just checking your statement once a month.

But what would a real identity thief tell you if he had the chance?

"I would make fake IDs to go with them, and then I'd buy laptops or other expensive items in the store and sell them on e Bay," he says.

De Felippi was also involved in several other kinds of scams, including phishing schemes that exploited AOL and Pay Pal customers.

Come to this site and update your information or your account will be closed." I did something similar with Pay Pal.

I sent an e-mail that said, "Someone has accessed your account. Please click here to access your account." We'd link them to a fake website and they'd give us their Pay Pal login information.

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