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.