Almost every bank and credit card service provides identity fraud protection. Any financial institution where you are placing your funds should offer you this option.
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The top companies that monitor credit are Experian, Equifax Complete, Bank of America, Citi, Trans Union, Intersections Inc, Annual Credit Report, Identity Guard, Smarter Credit.
Experian is a credit reporting and credit scoring company. You can get your credit score and report as well as monitoring, credit file disclosure, and identity theft protection.
"There are a variety of benefits, including Protection against Credit Card identity theft, Assistance if your identity should be stolen, Notification if someone tries to hack your account, protection against hoax emails, and Extra security online for members."
Most credit card companies offer their own protection against theft and loss. However there are also a lot of companies out there that offer tips tools and additional protection if you feel you need it.
Besides for your previous credit history, credit card companies may be looking at your criminal history, length of time at current residence, time at your current job, total annual income, and many other factors for approval of your credit line.