I had my ID stolen once in the past luckily they only used it for a credit card. They maxed it out and probably moved on, I did not know until I started getting collections stuff. I tried working with the police, and other agencies including that bank, but in the end I was forced to just pay off the debt because whatever bank it was was being a dick about it and the police where useless. I got some credit lock put on whatever it was, worst mistake ever! It was just a hassle to do anything involving credit stuff. I now just do a soft credit check once a month to make sure nothing has happened.