AMEX and others have a killer service that notifies you immediately of any credit report activity so you know who is pulling inquiries, new accounts being opened etc...I was a near victim of identity theft at BECU years ago. Walked in to set up an acct and they immediately had security come down, im like what the f*&C is this? After verifying who I was they showed me a completed loan application filled out about a year previous with my name and ALL of my personal info filled out. They stopped it before it got going but scary for sure...ID theft is a huge business for tweakers and it DESTROYS your credit if it takes hold...cheers