By Peter Marshall
Identity theft is the number one consumer crime in America, and still growing rapidly. In 2004, almost one in twelve households were victimized by some form of identity theft, and surveys indicate that approximately one fifth of Americans have been victims at one time or another. The total amount of identity fraud in 2004 reached a staggering $200 for every man, woman, and child in the US. Estimates of actual individual losses vary widely, but figures of approximately $500 average out-of-pocket