Identity fraud in the United States fell 28 percent in 2010 to 8.1 million from an estimated 11 million in 2009, according to Javelin Strategy &Research. The problem: thieves are becoming more creative in their methods of obtaining personal information, and those who suffer from identity theft are facing higher consequences, with the average out-of-pocket costs nearly doubling in the same time period to $631from $387 per incident.