More recently I was notified that my educational loan, which was originated in 1980 and paid off within a few years, was part of a security breach. I've requested credit reports, and have a year of free screening available to me, in case of identity theft.
We continue to use our credit cards, but I always check the statements carefully against receipts. We also let the credit card company know when we're traveling, since they are quick to cut off credit if the charges are outside our typical travel area. I've had a few charges investigated, but over the years I've never had any that turned out to be fraudulent. A few merchants failed to process return credits properly, so watching the statements carefully has paid off.
I watch my transactions carefully as well. In this most recent case I was notified immediately after the transaction was processed because it would have been impossible for my card to be in 2 places at the same time. That was the “fraud detection” trigger. My concern remains about WHO ends up eating the cost of the fraudulent transaction?