Clark gets tons of calls about identity theft. It has remained a real aggravation for people, especially when they have been a victim. As a result, a number of entrepreneurs have started enterprises that they hope to sell to people who are concerned. The Wall street Journal did a write-up about these companies, which are designed to keep your credit under control. One company is called “Trusted ID” and it uses credit freeze laws in various states to shut down and reactivate your credit when necessary. It costs about $100 a year, and no one else is offering this kind of online control. Another program is “Lifelock,” which places fraud alerts on your credit. It’s great that companies are trying to help people by offering these plans, but it’s not completely necessary. Clark thinks people are capable of doing this on their own if they live in one of the states that have credit freeze laws. It won’t cost you a thing. Get the list of those states here. The only time he would recommend paying for a service is if a human being comes with the deal, and that person is going to clean up your credit for you. Otherwise, it's not really worth it. The real problem is that banks and retailers don’t care that consumers are getting ripped off. That is where we need to start if we’re really going to stop ID theft.