Do you take advantage of the free credit reports you can get?
I get my free reports from each of the major reporting agencies spaced every 4 months. That way I can keep tabs on the reports all year long.
I use www.annualcreditreport.com to request my reports. As far as I know this is the only legitimate site where you can request your file from any of the 3 companies without worrying about being enrolled or signed up for anything.
In addition I have credit freezes on my reports and I have opted out of my reports being given/sold for promotional purposes.