Identity thieves have more tricks than ever. So should you.
From Sid Kirchheimer in AARP The Magazine: 
Monitor All Accounts
Though some banks alert you to unusual activity on a credit card, it’s more likely you’ll detect a crime before your bank does. [F]rauds first noticed by victims were uncovered a month sooner than those financial institutions fingered. Besides regularly checking credit card and bank statements, it’s good to scan your credit history for inquiries on existing accounts and application for new loans. You can get one free credit history annually from each of the three major bureaus. By rotating your requests, you can receive a report every three months.
Freeze Access
Recent laws in eight states let you freeze access to your credit file to keep anyone – legit or not – from reviewing your standing or opening loans in your name. A burgeoning trend, freeze laws have been under consideration in at least 18 other states. For consumers who don’t plan to apply for new credit any time soon, a freeze is a mighty shield, and convenient, too.
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