Fraud, identity theft, and scams. This is a common sense approach to protecting yourself against fraud, identity theft, and scams. Learning how to manage your personal credit information and discarding your old records that contain your personal information. There are a few things you need to be aware of regarding your personal checking account. Learn about credit bureaus, credit reporting agencies, and your personal credit report. Learn about spy ware and how some programs capture your personal information when using the internet. Learn about e-mail scams and the Nigerian Fraud Scam which has many faces.