I should add that at this point in time, it would be highly advisable to purchase identity theft insurance. You'd be surprised how many folks out there have had their credit tapped into and have had to use this insurance. You've already discovered you're at high risk.

This is not that "insurance" credit card companies try to sell you so that in the event of your death or loss of work your bill is paid.

Here's a pretty good description of what this type of insurance entails. It's from Travelers - a good company. There are also others to choose from.
<div class="ubbcode-block"><div class="ubbcode-header">Quote:</div><div class="ubbcode-body">Identity theft victims are not responsible for the debts incurred by their impostors, but they are stuck cleaning up the credit mess. Restoring your credit and your name is a slow, painstaking process. It means countless phone calls, letters and time away from work.

The aim of Travelers' identity fraud coverage is to help victims cope with the cleanup.

"With identity theft, once you find out about this, it's just the beginning," says Bob Nighan, vice president at Travelers. "There are a lot of out-of-pocket expenses that people incur in the cleanup process."

Identity Fraud Expense coverage can be added to any Travelers homeowners or rental policy for an additional $25 a year. It provides $15,000 worth of coverage and has a $100 deductible. It is currently available in 20 states.

The coverage includes:

Lost wages as a result of time taken off from work to deal with fraud, with coverage of as much as $500 per week for four weeks.
Notary and certified mailing costs for completing and delivering fraud affidavits.
Fees for reapplying for loans that were declined due to erroneous credit information.
Phone charges for calling merchants, financial institutions and law enforcement agents to discuss the fraud.
Some attorney fees.
Keeping the paycheck
Beth Givens, director of the Privacy Rights Clearinghouse in San Diego, says the strongest component of Travelers' insurance coverage is its coverage for lost wages.

"If you're self-employed or paid an hourly wage, I think the coverage is quite valuable because a certain amount of your salary is recouped," Givens says.

She says there is no telling just how long it will take an identity theft victim to restore his or her good name.

"I've heard of people who are sorting things out for months or even years," she says. "You might spend anywhere from six months to two years recovering from identity theft."

Lengthy forms, letters and long-distance phone calls eat up vacation days. Worse yet, some identity theft victims are forced to take unpaid time away from work.

"The most common complaint of identity theft victims is they have to take time off work," Givens says. "I can't tell you how many people have called and said 'I had to take a week off work.' "

Mari Frank, an identity theft victim and attorney who has written The Identity Theft Survival Kit, also cited the compensation for lost wages as the strongest aspect of Travelers' protection.

"This is helpful -- for time off work -- but probably not enough," Frank says.

Frank estimated that she spent 500 hours cleaning up her credit nightmare. Her out-of-pocket expenses were about $10,000.

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Purchase through most P&C insurance agents. It's extremely inexpensive.