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An estimated three million cell phones are stolen or lost in the US every year!

In the wrong hands they can be used to make unauthorized calls — one recent victim faced a ,000 bill.

Action: Look after your cell phone as carefully as you care for your wallet.

See Airport Travel Scams: Watch Out For These Airport Tricksters for more info.Action: Take all possible steps to protect yourself against identity theft.You can find more about identity theft in the Identity Theft Information Center.Apart from driving nearby people crazy with their awful sounds, users of downloaded ringtones could be exposing themselves to a couple of potentially costly cell phone scams.