 TITLE: What Is Shoulder Surfing? CONTENT: Monitor Your Credit Regularly\n-----------------------------\nChecking your credit report is free, and you can get it through AnnualCreditReport.com or directly from Experian. Doing so regularly can help you spot potential fraud and identity theft. Staying on top of your credit report is easy to do when you sign up for free credit monitoring. Experian's free credit monitoring service alerts you of new inquiries and accounts, changes to your personal information, and suspicious activity on your Experian credit report.\nIf you've fallen victim to fraud, or suspect you may have, consider adding a fraud alert to your credit reports. A fraud alert (also called a _security alert_) notifies lenders to take additional steps to verify your identity before processing applications for new credit cards or loans in your name. Placing a fraud alert at any one of the three major credit bureaus—Experian, Equifax and TransUnion—automatically places it at all three.\nShoulder surfers can pose a threat to your personal data. Using a credit monitoring service—and a little common sense when you're in public—can give you the peace of mind to \"hang loose.\" END