5. Inoculate Your PC
Swindlers don't just sit around waiting for you to give them data; sometimes they give you a little something extra to help things along. You need to protect against malware with regular updates to your anti-virus program. PCMag recommends Webroot SecureAnywhere Antivirus (4.5 stars, Editors' Choice, $39.95 direct), which has extras to help fight ID theft, or at the very least the free Ad-Aware Free Internet Security 9.0 (4.5 stars, Editors' Choice).