It occurs to me that my hobby in writing letters about the Fair Credit Reporting Act is suddenly topical! So some quick opinionated advice:
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Do not pay for credit monitoring. You're statutorily guaranteed three free credit reports a year. That's sufficient.
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Free options also exist through many banks these days; they use them as aquisition/retention channels. Amex and Capitol One both offer.
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If someone opens a loan or CC in your name, deep breath: you are going to lose some time but not money. You haven't been stolen from.
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You will be inclined to do things over phone, because credit reporting agencies and banks push people to it (and lately apps). No. Calls.
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Everyone attached to a telephone at a CRA has scripts which are optimized for getting you off the phone and minimal ability to help.
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If someone has opened an account in your name do not call the bank and ask them to close it. You do not have or want authority on acct!
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You should file a police report locally and get the police to issue a paper copy or receipt. It doesn't matter if they investigateZ
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You. Doesn't matter which police department; bank requires a report as a costly signal. Your local one most incentivized to write it down.
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