| depending on the state you live in there are some options, NY and some other states have it so you can tell the credit tracking agencies they cannot give your credit report to anyone without your express written permission(that must be sent certified mail, that contains a PW you choose).
That pretty much stops any ID theft cold in its tracks, because its impossible to open any new accounts without going to alot of effort, well its an annoyance to you, how often do you really open new accounts?
That said, the credit agencies won't offer that unless required by your state, if the thief already has all her information your basically SOL, you have to notify all the agencies, police, etc, that its going on, and it'll more or less destroy her credit for along time.
Basically they combat it by simply not issuing her credit at all. |