That blows.

When i bought my house this year i had to get my credit scores etc and in the process i signed up with Equifax for their weekly "credit alert" service. A year is only $10 and they send you an email every sunday to let you know if there was any activity such as credit checks, cc applications, etc.. It can really give you some peace of mind and it's dirt cheap.

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You have your way. I have my way. As for the right way, the correct way, and the only way, it does not exist.