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Identity theft is a race: the faster you freeze the damage, the less there is to repair. The recovery order matters — report, freeze, dispute, monitor — because each step protects the next. Freezing your credit costs nothing and blocks new accounts in your name; official fraud reports give you legal footing with creditors; disputes clean the wreckage from your file. This guide is the exact sequence, including the two mistakes victims make most: waiting, and paying 'credit repair' companies for steps you can take free.
step-by-step repair
Freeze your credit with all three bureaus immediately — it blocks new accounts in your name while you sort out what was opened.
File an official fraud report with the FTC (or your country's equivalent) and a police report — creditors and bureaus require them for disputes.
No — disputed fraudulent accounts must be removed, and with a freeze plus monitoring your file typically recovers within months.
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