Identity theft is on the rise. Someone could be out there using your good name and good credit to charge off huge bills on cards that you don't even know about.

There are two major clues on your credit report that your identity has been stolen. If you see credit cards or loans that you didn't apply for or change of address notices that you did not submit, contact the credit bureaus at once. 

Although the credit bureau may be helpful, bear in mind that it is your responsibility to notify creditors of fraud.