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Identity theft is big news at the moment. Strangers can raid your rubbish and piece togther enough information on you to be able to benefit from their acts. And if you are applying for a mortgage or loan then there's even more chance that sensitive information could be in your bin.

What will it cost you? Answer - a lot of hard earned cash and lots of time trying to clear your name. On average it will take you 300 hours trying to solve identity theft.

What can you do about it? For a start - shred any rubbish with personal details. Imagine the situation whereby someone got hold of a cash machine receipt and a binned loan application. That could be more than enough information for serious identity theft to take place.

Shredders are cheap and easy to use. We've recommended some below that you can buy right now, or have a look around and find another source. You don't need to shred constantly. Just save together important papers such as credit card receipts and bills, bank statements, ATM receipts and any other documents that contain personal information that could be a piece in the jigsaw for your identity theft. Then before you throw them out, have a mass shredding session.

But what happens if someone does get hold of your details? What can you do then? How will you know?

Credit Expert provide lots of help and advice, plus services to detect if identity theft might have occurred to you, and insurance in case it does.

From a free survey to see if your lifestyle puts you at risk of identity theft to identity theft detection and insurance, Credit Expert is well worth a visit.

It is estimated that 10% of Americans have suffered identity theft. Trends from the US tend to follow to the UK. Don't be a victim to identity theft. Take actions now to protect yourself and your family.