Watch out for fraud.

Identity theft can be a huge issue for aging adults who need care. Experts say that a family member or caregiver will often steal a credit card or just the number and use the account.

Sometimes thieves will use other information, like bank account numbers, to steal, and these activities can leave some bad tracks on a credit report. In this case, your credit score’s impact on retirement can help you spot fraud.

Retirees should check their credit reports at least once a quarter to detect any unusual activity. You can ask for a report by going to AnnualCreditReport.com or Equifax.