Full disclosure, we should be okay because we put a freeze on our credit reports. I'm pissed off in principle.
Everyone should consider freezing their credit. It won't stop you from using credit cards/lines of credit you already have. It will just prevent new accounts from opening with your info.
If you decide you want to get a new card, buy a car or house, etc, all you have to do is unfreeze it before you buy.
Seriously. This is ridiculous.