If you're a regular listener, you know that Clark often speaks about ID theft, its dangers and how to avoid it. Many people think ID theft happens on the computer. But a Utica College study finds that ID theft by non-technological means is more common. Quite often your identity can be stolen by a crooked employee at an otherwise legitimate company, or at a business that's not careful when it disposes of sensitive information. Retail is the number one place where this crime takes place, but one in four ID thieves works at a financial institution. Speaking of banks, The Wall Street Journal recently reported that they are big conduits of low-tech ID theft. A TV reporter apparently did some dumpster-diving behind a number of banks and found that they unloaded old files and records without shredding them. That leaves your sensitive information unprotected. We're talking about things like names, Social Security numbers, addresses, dates of birth and more.

Only three percent of ID thefts result from high-tech intrusions like a computer hacker stealing info online. By comparison, more than a third of all ID thefts happen when your credit card number is skimmed by an unethical employee -- either in-person or on the phone. The truth is that there are many ways people steal your identity. In fact, e-retailers offer you more layers of protection than when you hand your credit card to someone behind a register who you've never laid eyes on before. About 20 percent of the time ID theft occurs when people steal from your mailbox. But that risk can be easily eliminated by purchasing a locked mailbox at any hardware store.