Identity theft is a huge problem.  Many people use identity theft insurance, which generally can help you learn if you have been a victim of identity theft sooner than if you did not have the insurance.  This helps you correct the problem before it gets worse.  However, a start up company, Civic, is pioneering a new type of identity theft protection.  Their service will actually help protect you from becoming a victim of identity theft in the first place.  For more details, check out my column from today’s edition of USA Today.