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Identity theft is happening everywhere. Data from retail stores, hotels, banks and other businesses are being stolen and misused—and data theft scams are likely to increase as the holiday season approaches, according to the Insurance Information Institute.

Identity fraud is on the rise for the second year in a row, affecting more than 13 million consumers in 2013, according to the Federal Trade Commission. Consumers suffered total fraud losses of more $18 billion, averaging $2,294 per incident, and more than 11 hours trying to resolve the average case.

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