I will keep this one short. In this day and age, regardless of all laws and regulations that demand to keep your personal information safe, it is up to you to take that matter into your own hands. I use Experian App (a free and paid version), which allows me to monitor my score, but more importantly, it lets me lock it. while my score is locked, if there is an attempt to take a loan out under my name, it will be unsuccessful, and I will get a notification about it. Now, I am not suggesting Experian as a solution, and I am sure there are plenty of other solutions. All I am suggesting is to get one, and it is a relatively cheap piece of mind.