The FTC estimates that as many as 9 million Americans have their identities stolen each year.

Here are five identity theft warning signs:

1. Rejection from lenders – your credit card applications or loan applications are denied despite your good credit.
2. Strange charges appear on your credit card or bank debit card statement (you receive bills from unknown accounts).
3. Missing mail or monthly bills (could mean that someone has changed your address).
4. Your passwords and/or personal identification numbers (PINs) no longer work.
5. phone calls or bills from collection agencies demanding payment for accounts you are unaware of.