conversation: User (JosieJonn): "Thanks so much for reading.\n\nWe checked our credit score, it went from excellent to good because of an extra $1000 of debt and numerous inquiries we never made. We reported the fraud to Experian, are obtaining an affidavit from the FTC, and plan to it to file a police report.\n\nWhat else should we do? How can we successfully contest the accounts fraudulently created?\n\nAny agencies you'd recommend we contact for help so we can put this nonsense behind us?\n\nEDIT: I welcome the jokes, friends (I'd make them if I saw this post, too), but, for anyone who is unironically wondering...my wife has my absolute trust."
  Self: "File the police report, freeze your credit, report fraudulent accounts.\n\nIt'll take a few months to clear everything, but it's mostly boring phone tag to get everything cleared off your report."
  User (JosieJonn): "Sigh...i was afraid of that...ty"
  AlbinoWino11 (AlbinoWino11): "I mean...I wouldn’t be too broken up about it eh?  Your credit went from excellent to good.  Almost deserves one of those first world problem memes.\n\nThey’ll probably never catch the bastards.  But it happens so often these days that you’ll probably come out the other end quite alright."
  User (JosieJonn): "Lol, ty. 1st world problems, indeed"
  AlbinoWino11 (AlbinoWino11): "I know it feels like it sucks right now but it’ll likely be fine.  Had two...TWO cards skimmed and robbed during a week in L.A.  banks sorted it right quick.\n\nCheck out some of these scary numbers:\nhttps://www.experian.com/assets/decision-analytics/reports/global-fraud-report-2018.pdf"
  JustWhyBrothaMan (JustWhyBrothaMan): "Only two? I have it happen constantly... like 6-7 over 3 years "
  AlbinoWino11 (AlbinoWino11): "Wow.  Cursed!  \n\nIt was 2 cards in a few days from two very different locations though lol.  Only two cards I used for the whole trip otherwise who knows what could have gone down?  But it was all good and my banks acted very fast and I had no long term damage because of it.  It was scary and quite inconvenient for a day or two.  But all good after that."
  australian_girly (australian_girly): "Use Apple Pay and careless cash!\n\nEdit - yep sorry cardless cash- in Australia I can use an app on my phone to get a code and using that code get money from an ATM- no card required.\nI can also sms that code to my kids and they can get money from an atm. "
  AlternativeJosh (AlternativeJosh): "I don't necessarily agree with you in this case but don't see why you're being down voted.  You are providing a suggestion to OP to help prevent the situation in the first place which I assume is well intentioned and in good faith."
  velocity92c (velocity92c): "I use the Android version of Apple Pay and it's been great so far. Curious why he was downvoted too. I don't know what careless cash is though. "
  CopperPegasus (CopperPegasus): "People can be... odd on the net. Maybe they thought they were being combative?\n\n&amp;#x200B;"
  