Lloyd,
One of the best ways to protect against identity theft is to place a fraud alert with all 3 of the big credit reporting agencies. I did this a few months back when I lost my wallet. Recently I purchased a new car and financed a portion of it. The dealership shopped it around to get the best rate and every company it was shopped to called me, asked only questions I would know to prove my identity.
I also belong to a service, two actually, that every time a change takes on any of my files at the big 3 credit reporting agencies, I get alerted my a text message to my cell and by email. So, if anyone tries to take out a loan in my name, even an inquiry, I get notified immediately. It only costs a few bucks a year to subscribe to these sevices but it sure does give you piece of mind.
Bill
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