Sometimes it can take many months before a victim of identity fraud becomes aware of the problem. Restoring a person's accounts and credit report once he or she becomes a victim of identity theft can be an extremely frustrating and time-consuming experience.
As soon as it is discovered the victim should take the following steps
Contact the police and report the crime
Obtain a copy of your credit file to confirm that someone has used your identity
Contact the credit providers involved and inform them of the fraudulent activity, otherwise they may hold you responsible for any bad debt incurred.
Monitor your credit file