call clark howard consumer line and get a second opinion on what you should do. I too was a victim of ID theft. I filled out a form denying all balances and made alot of phone calls. Someone had created a cell phone account in texas and ran up a $800 balance. I got it cleared but it was a PITA. Also, consider a credit freeze (no one can open new accounts) and get a credit report to see what open accounts you have. I had to put it tons of time to clear my name....