Try using an Identity Theft protection and monitoring service. There are lots of options out there; pick one endorsed by an outfit you trust, like your bank, credit union or professional association. With all the hacking stories in the news these days, you may well already have a service looking out for changes in your credit history, accounts etc. -- it's one of the usual things companies do when they get hacked to try to reduce the danger to their customers. If you have such a service available to you - use the heck out of it! Read the emails they send you; call the company if you don't understand something.