So… I pretty much took all of
@BarnBuster 's advice and got all 3 credit reports and looked them over. Other than being buried in debt, both the wife's and mine looked fraud free. I then made an Experian account for my wife and added an Initial Fraud Alert to her credit reports. So basically if someone tries to get some credit in her name, the issuing company has to call her cell phone. Stupid shit. But I feel better than I did at lunch today when my wife first called me and told me this stupid shit.