I'm not sure if this is the right forum. If it's not mod please move. Thank you!

Well, I guess it would happen sooner or later. I just got a letter saying that my application for a Discover It card was denied...the issue is I never applied for one. I immediately called Discover, and they told me an application was submitted with my name and social. So my world came crashing down. I immediately (through calling and two computers at the same time) contacted all three credit bureaus (even though I didn't have to as they would forward the alert to each other) to set up a 90 day fraud alert. I got credit reports from all three agencies. Sure enough, there was two inquiries, one for Discover and one for Citibank. Conveniently, Citibank's new accounts team was closed for the night so I just called my card services to make sure that I did not have a new card under my name, which I didn't. I then rinsed and repeated for Chase and Amex. Fortunately, no new accounts.

So tl;dr, identity stolen, what to do from here? I guess I will file a police report and place a 7 year alert on my system...but that's going to make applying for credit such a pain in the ......no more instant approvals. Any suggestions?

Sorry for being all over the place...it's what my mind is right now.

P.S. also placed fraud alert for my wife just to be safe but she doesn't seem to be affected.