Welcome to NerdWallet’s SmartMoney podcast, where we answer your real-world money questions. This week’s question is from Andrew, who asks, “I’ve been thinking about signing up for one of those identity theft protection services, but I’m not sure if they’re really worth it. How much am I actually at risk of being a victim of identity theft, and will these services help me avoid identity theft?”
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Security experts say everyone’s at risk of identity theft, because so much of our personal information has been exposed in various database breaches. But the potential fallout ranges from minimal to horrific. If someone steals your credit card number, for example, you’re protected from having to pay the bogus charges once you report the fraud. If someone