is it really so easy for someone who doesn’t know me at all to steal my identity?

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Is it a must to have a “credit protection fee” when you have a credit card? Is it pro-rated to how much your balance is? I am not talking about overdraft protection, this is something else. If anyone out there can enlighten me on this matter, would appreciate it.

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I lost my USB Drive with all my documents in it like passport, SSN and other documents. What should I do to protect my identity?
the main two things are my social and passport..how can i prevent possible theft and damage because of it?

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