It's like a newspaper, explains Kevin O'Toole, education director for Consumer Credit Counseling Services, the financial-services division of Family Services, a local nonprofit agency in Cedar Rapids, Iowa.

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There are services online and in your local area that provide reporting and identity protection services, but I will go into more detail on those types of services in another article.

Not me you might say but have you never let your credit card out of your sight in a restaurant perhaps, or thrown away an old statement, written down that pin number and left it in the same wallet as your card?

Value added services: Your free prepaid debit card company should give you different value added services like sending your statements online or through the mail to your home or office.