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Yes, the accounts won't be there, but thats why you have to look at the bottom of the report where they have associated names and address displayed. If you see someone else's name there, then it gives you a clue, and you should have the bureaus look into it right away. A lot of times you can request bureaus to place a "Hawk Alert" on your credit where the credit grantors who pulls the report will be advice to verify ID with name and ss# before granting credit. It often allows you to leave a phone number on the report and have credit grantors call you before granting any credits. This is not a foolproof method of course, its just one way for you at least have some type of control over monitoring fraud.
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