How vulnerable are you to identity theft or fraud?  And what's the difference between the two?  Wallet Hub Analyst, Jill Gonzalez, tells Heather Kelly what you need to do to try and protect yourself; and your wallet.

Also find out what the agencies Equifax, Experian, and TransUnion are doing to help you keep your credit rating intact.

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.