Resolve to monitor your credit reports more closely. Every consumer is entitled to a free credit report (www.annualcreditreport.com) once a year from Equifax, TransUnion, and Experian. Set up a schedule to review a report for each spouse from each of the three major credit reporting agencies throughout the year. This strategy can give you access to a free credit report every two months. You will be able to see indications of identity theft and take appropriate actions much more quickly.