File a Police Report
Though minor identity theft is more often the purview of some distant villain, based in another country, the worst stuff comes from those closer to home. After all, a sudden payment made overseas will generally trigger a warning or account freeze, while one from the next state or town over probably won’t. Or the problem can be even more local, such as someone physically intercepting your mail, which was the case when my identity was stolen. So while it’s unlikely that the police will make your ID theft a priority, or find and arrest the culprit, it’s important to get your situation in the system. With all of the paperwork in hand, including your Identity Theft Affidavit, file a police report, and obtain a copy of it. Even if the cops do nothing, you now possess a document that demands attention from the banks, collection agencies and other bureaucratic hordes that have become part of your life. If nothing else, you’ll know that you took as much action as possible, during an impossible time.