Identity Stolen and Fraudulent Kohl's Card Maxed out - am I doing everything correctly here?
I got engaged Saturday and went ring shopping with my finace on Sunday so that she could pick out the ring she wanted within our budget. When we had my credit checked, I was denied financing to my great surprise. Last year when I checked I had an over 800 credit score, I have no debt, and make nearly six figures. Mervis couldn't tell me the reason for the denial, so I checked my credit again through CreditKarma and my credit score is now 585.
It turns out that someone stole my identity and opened a Kohl's card in the February/March 2018 time frame with a $1000 limit and immediately maxed it out. I went to the PF identity theft wiki and followed all the instructions (minus the credit freezing), but keep finding more tidbits about what to do.
So far I have
- Contacted Kohl's and had them flag the account as fraudulent
- Contacted my local police and filed an identity theft report
- Filed an identity theft report through the FTC and included the control number from the local police report
I then discovered extended alert requests and have printed out ones for Equifax, TransUnion, and Experian, including a printed copy of the FTC report and local police report. I'll be mailing those out today.
Now, is there anything else I can do? How long can I expect this to take to resolve? I see that I had 2 hard pulls through TransUnion (Feb 22, 2018; Mar 10, 2018) and 1 hard pull through Equifax (Mar 10, 2018) that appear to be around the time that the fraudulent card must have been opened. Can I have those hard pulls expunged?
My fiance and I have plenty of savings and are planning to buy a home in the April 2019 timeframe, so that's really the only timeline I'm concerned with. However, I'd just like to make sure I'm covering all my bases. Thanks in advance for any help.