This is simple and straightforward. Check your credit report!! I know they suggest checking once a year, but I check mine more often than that. My credit is important to me and I take great care to maintain it, but I have found multiple errors-yes multiple, on mine in the past, which were not my fault. So, I'm extremely diligent in checking and suggest you jump on the diligent boat too. It's a hassle to prove that you're not the person who opened an account or that you pay your bills on time, but if you've kept your financial record in order, it's much easier. Of course, "easier" is relative because it's still a pain, but at least you have the documentation to support your claim.
Dr. D. Clutter™
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