+1 on the security freeze. My SSN, name, and address were recently all stolen when a former employer's system was hacked. The credit monitoring they offered was nice, but would only catch things after the damage was done. Freezing my file with the CBs means it is much, much harder for someone to open new credit in my name.

It was a bit of a hassle to shop around for car loans later on, but I'd much rather have that headache than the alternative.