Have you locked access to the 3 credit reporting agencies to prevent fraud?

After hearing some horrors stories from my colleagues who were victims of identify theft (people opened accounts under their name and stole money), I decided to lock access to my credit reports. It cost me $10 (one-time fee) for each of the 3 agencies and now no one (except banks, insurance companies and, of course, the government) can view my credit report.

Now no one can open an account under my name since they can’t access my credit reports. The only way I can access my credit report is by temporarily unlocking the block with a PIN (3 different PINs for the 3 different agencies).

With rampart identify theft, doesn’t it make sense to proactivity prevent people from opening accounts under your name and destroying you financially, especially when it’s so inexpensive and easy to lock access to your credit reports?