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Worried about identity theft.

Hey everyone, I've got a bit of a situation on my hands and I'm hoping to get some advice. First off, I got this weird email from a bank I've never dealt with, saying my application for a credit card got denied. Thing is, I never applied for a credit card. I brushed it off as spam, but then my regular bank started sending me texts about some suspicious transactions.

I read up on some identity theft stuff (found some info, and now I'm wondering if I might be a victim. My credit score is usually decent, but I'm scared this mess is gonna ruin it. Plus, there are these calls from debt collectors about bills I never knew existed!

I've already changed my passwords and alerted my bank, but I'm still on edge. How can I be sure I've covered all my bases? Any advice or personal experiences would be greatly appreciated.


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