In light of the recent Target and Neiman Marcus breaches a couple things that you need to do. First review your bank and credit card statements for any unusual transactions and if there is something you don’t recognize, have it disputed right away. Second obtain one of your free credit reports through www.annualcreditreport.com which allows you to get a free report each year from TransUnion, Experian and Equifax. Note there is a fee for the score but you are not required to purchase it. If you need assistance with obtaining or understanding your report, email me.