Pay attention to your billing cycles. Follow up with creditors if bills do not arrive on time.

Minimize the identification information and the number of credit cards you carry to what you actually need.

Give your Social Security number only when absolutely necessary. Ask to use other types of identifiers when possible.

Colorado law provides Colorado consumers the right to obtain a free copy of their credit report each year from each credit bureau. Check for any discrepancies and correct them as soon as possible.

Keep items with personal information in a safe place; before discarding shred mail and other materials with personal or financial information.