SALT LAKE CITY - As holiday wish lists evolve each year, one item remains a constant threat: identity theft. This pervasive issue poses risks throughout the year, not just during the holiday season. Eva Velasquez, CEO of the Identity Theft Resource Center, emphasizes the importance of protecting personal information in an increasingly digital world. Identity thieves can exploit various pieces of information to gain access to your financial accounts. Velasquez notes that while a bank account number alone may seem harmless, it becomes dangerous when combined with a bank's routing number, which is publicly available. This information can lead to unauthorized access and fund transfers between accounts, often without the victim's immediate knowledge. Scammers often use bits of information to build credibility with their targets. For instance, they might pose as bank representatives, claiming to have noticed suspicious activity on the victim's account. This tactic can lead individuals to reveal more personal details, further compromising their security. To mitigate the risks associated with identity theft, Velasquez advises adopting several key strategies. Top among them is freezing your credit, which can prevent unauthorized accounts from being opened in your name. She also stresses the importance of robust passwords; using unique, complex passwords for different accounts reduces vulnerability. Enabling multi-factor authentication (MFA) or utilizing passkeys can add an additional layer of security. Consumer awareness is vital in the fight against identity theft. Recognizing the value of personal information is crucial, as it can be as valuable as cash. Velasquez encourages individuals to treat their identity data with the same caution they would apply to financial assets. As the holiday shopping season approaches, it's wise to approach credit card usage with care. Overusing credit cards can lead to unwanted debt, but for online purchases, credit cards provide enhanced protections compared to debit cards. Being informed and cautious can greatly reduce the risk of falling victim to identity theft.