I got on that this week. Went to website and entered our SSN's. Daughter and I were fine, but they got the wive. I went ahead and did the 125 thing. Pretty easy. I have all our credit locked from the big 3. I also have privacy assist service from Bank of America for 17 a month that monitors EVERYTHING. Cards, bank accounts, SSN's, etc. etc. She does not. Daughter is still a minor but I have her SSN on that protection too. Wife is an RN, and I think she got caught up in all that hospital record breach thing a few years ago.