My mortgage co was sending their monthly report to one of the credit reporting co and the tape got lost-so we had to put fraud reports on all three credit reporting agencies- who knows if it got lost , crushed in a machine or stolen but now we wait and wonder. The motgage co set us up with Trans- Union's 24 hour monitoring service- so yes, Chatty we have our personal code#'s- but it's so aggravating that all that stuff was on a stupid tape that the co sent by a conmmon carrier- we do everything right and someone else messes up!