There are so many advertisements out there for identity theft protection. They’d have you believe that that tens of millions of people have been the victims of identity theft and that the problem is growing by leaps and bounds. The commercials are emphatic that you just "can't afford" to be without protection. And over 50 million American's have bought into this idea, subscribing to one or more theft protection services at a cost $100-200 a year or more. So is it really the dire problem it’s made out to be and what should you do to protect yourself?