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After a family member who lived with us opened some credit accounts and tried to take out a second on MY house, I got it. It's about $150/year/each for wife and I. I get an email every once in a while and check things out. Random phone numbers get attached to my credit reports, and then I remove them.
Although I have to say my credit/bank are much more reactive to issues, at least with the cards. It's been quite a while since I bought 2 surfboards, some camera gear, and a hotel in Hawaii, and I can't remember the last time I bought surplus army ammunition, a hotel, and a safari in Africa.
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