I get mine every 4 months and rotate my husband's that way too. That way I am checking every other month. We also belong to Zander- which Dave Ramsey recommends. My dh had his identity stolen a couple of years ago. We caught it before there was damage. We had some mistakes when they tried to steal his identity but now we don't have any. This is a very good idea to do- I try to get my kids to do it but..... They don't seem to know the importance of it. One child has very bad credit! Choices we make do have an affect on us later!!! They just don't care and only live for now- Can't believe they are mine- I might also add the bank of mom and dad closed too