Good evening Marilyn, and thank you for posing your question. My name is Alexander; I'm an EA and am happy to assist you.
You definitely have a valid concern; it's good that you recognize this and want to take action. My recommendation, as someone who deals with clients that are unfortunate enough to suffer from identity theft, on occasion, is that you place a credit freeze on your husband. What that does is block access to your husband's credit reports; that's important because identity thieves will not be able to open new accounts in your husband's name if they can't have credit reports pulled. You would contact the three credit bureaus (Experian, Equifax & Transunion) to place the freeze; each will charge a small fee for the service, but it is money well spent if you're worried about identity theft. You will still be able to access information and can have the freeze lifted if you need to open a new credit account, but this will make it MUCH more difficult for identity thieves to profit from your husband's information.
Credit monitoring is another option; however, there is usually a monthly fee for this service, and it does not prevent new accounts from being opened in your husband's name. Rather, this will allow you to monitor the credit reports and spot fraudulent activity more easily.
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