With identity theft running rampant, it’s important to be on your toes when it comes to your credit. You need to be aware of what lines of credit are being opened in your name, including credit cards. Finding out if and when a person has opened a line of credit in your name can be tough. Not all creditors report to credit bureaus on the same timeline. Eventually, most credit in your name will show up on your credit report.

The best option is to monitor your credit often to see what shows up about you. Also, if you get something in the mail for a credit card that you know you don’t have, that’s a clear sign of fraudulence.