I have a HELOC (no balance) that I keep available for investment opportunities, and I get those dang "cash advance" checks peroidically too
. I don't worry too much about those (or the CC ones), but I have taken the precaution of freezing my credit at all three agencies. I don't know for sure, but I'm fairly certain that if someone "stole" one of those checks and cashed it, then the "bank" would eat the loss. I'm not sure how you can stop the "free money" offers from showing up in your mailbox entirely.