Data breaches are happening at a record pace these days, making identity theft and fraud seem practically inevitable. Perhaps that's why the majority of Americans in a recent survey hadn't even checked to see if they were victims of a major breach. Maybe they're thinking, "What's the point if it's going to happen anyway?"

Or maybe it's because, as another survey found, people aren't aware of what they can do about potential fraud. Of people that didn't activate a credit freeze (which is a first line of defense in light of breaches), 37 percent said it was because they weren't aware it was possible or didn't know how to do it!

When it comes to dealing with identity theft and fraud, these surveys show that people need more education about how to handle these situations — and they need the right people on their side to deal with it as quickly and painlessly as possible. If left to do things on their own, they just might not do anything. Or they might spend hours trying to sift through all the information online to figure out what they're supposed to do.