Published: Jan 13, 2014 8:38 PM EST
Updated: Jan 14, 2014 8:07 PM EST

COLLIER COUNTY, Fla.- "I think we're on the tip of the iceberg."

Local identity theft expert, Carrie Kerskie said the problems at Target and Neiman Marcus are just the start of something much worse.

"2014 is predicted to be the year of the data breach."

So, to help shoppers, Target will soon offer one year of free credit monitoring and identity theft protection. Florida Attorney General Pam Bondi is urging you to take advantage.

"It's something, it's better than nothing," said Kerskie.

Kerskie wants you to stay vigilant Check your accounts regularly and stop swiping your debit card. Instead, use a credit card, which doesn't link directly to your bank account.

"When you do that transaction, you're just incurring a debt, by law you are not responsible for any fraudulent transactions, so the debt goes away, you're never out any money."

Kerskie said with you debit cards your bank can wait as long as it wants to get your money back.

"So very easily you're account can become overdrawn and you incur overdraft fees, those fees are not required to be refunded."

Kerskie adds that she thinks there are even more data breaches out there right now that have not been uncovered yet. That's why it's so importatn to check your accounts daily.