Thanks for the input guys! Like some of you have mentioned, I also check all my accounts at least once a week, pull a credit report once a month, very rarely sign up for automatic payments, etc., etc., but they got me anyway! But, that was my idea in starting this thread, was for some to share their stories with everyone, so if anyone here still thinks that this type of activity is very rare, or won't happen to them, that no matter how careful you try to be, it can, and unfortunately these days, probably will happen at some point!