I wanted to throw in one thing, one of the most important things to do when you are a victim of credit card fraud (in the USA at least) is that you contact the three major credit bureaus, Trans Union, Equifax, and Experian and you put an "APPROVAL BY ME" on all three credit bureaus for the opening of new accounts. This means no info would be provided to a credit card company, or potential lender unless the credit bureau contacted you, and verified that you were the person who applied for the credit.

APPROVAL BY ME is one of the essential things one must do once you are a victim of i.d. theft. It must be done immediatly, one of the first things one must do.

Hope this helps.