I just keep my credit limit really low on my credit card. They used to keep raising it "Congratulations! You've earned..." and I finally called them and told them to stop touching my credit limit, it was low because I wanted to keep it that way.
So basically - I'm "under the radar." We have very few "investment" assets that ping our credit rating at all, we don't have a mortgage or any outstanding loans that we're paying on. So we basically fly under the "scammer radar." They're not interested in us, because they know we don't have enough credit to cover their scams. They'd probably be turned down if they tried to get a new credit card in our name.
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