If you're already monitoring your credit reports for signs of identity theft - then good for you. Monitoring your credit reports is a very important step to spotting and stopping identity theft.
Unfortunately, the damage of identity theft has already been done by the time it reaches your credit report or affects your credit scores. Additionally, if you do spot an inaccuracy on your credit report, the theft of your information has already happened and your personal data is already in the hands of a thief - who can use it again and again. Finding a problem on your credit report is often the last sign that identity theft has occurred; to be better protected, you must be able to spot the signs of identity theft before they impact your credit reports.
