After the NPD HACK, all people are advised to place CREDIT FREEZES on their credit accounts.
This process prevents new credit to be taken out on an individuals.
Note there is NO CHARGE for this, but you will need to place CREDIT FREEZES ON ALL (3) major credit agencies:
The following is the process for placing a CREDIT FREEZE on EXPERIAN
URL is: https://www.experian.com/freeze/center.html
If you don't feel comfortable opening a link on this site, Google "Experian Credit Freeze"
On the next page, enter your SSN and mobile phone number. You will then receive a confirmation code URL on your phone. DO NOT LEAVE THIS PAGE.
You will receive a confirmation URL in your phone SMS. Click on that link. But do not close this browser window.
Once you pass the validation, enter your information on the following screen.
Make sure to select "Free Membership". Then enter an email and pick a password.
Click the Freeze toggle
Done!