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I'm not sure what I need to do next, so I'm asking Fools for advise (so many people would really not understand that!!).

I applied to reinance my HELOC to lower the interest rate (got it, too - lowered by almost half) and the banker told me there is a colections account for $1200 for ATT Wireless on my credit report TransUnion only). I went on-line, checked my TU report and found the account listed (also a new home address for me in TX. I live in KY)I have disputed the account, and asked that the address be removed from my report.

I then put a 90-day fraud alert on all my reports (why will they only do 90 days?)

What else should I do? I thought about using the TX adress and the wireless phone number listed in the account to try to find the cretin who did this, but there's nothing I could do so I'm not sure why. Should I call the police? Here or in TX?

What else should I be thinking about?

TIA
-a-
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