Since the Equifax breach (and now the Capital One breach), lots of people learned how to freeze their report with the credit bureaus (there are 6 of them by the way, not 3). You might also want to opt-out of “firm” (pre-approved) credit offers. Not only will this reduce your chances of having your identity stolen, it will also reduce the amount of junk mail you receive. Official opt-out site: https://www.optoutprescreen.com/