Ditto on what Vapes said.
My wallet was stolen when I was in Corpus (along with my tailgate, my truck's radio, the entire fucking dashboard, my sunglasses, and various other junk). I went to my loan guy 6 weeks ago to re-fi my mortgage (gotta get some of that 4.8 action), and my credit score was 685, down about 50 points from a year ago. WTFO?? Some asshole had rented an apartment in Corpus with my ID (must be one GOOD LOOKING thief), and they decided to check out without paying $380 in electric bills. They also were treated at a hospital using my ID, and that hospital wants money from me.
It is going to take months to get this shit sorted out. I just hope that rates stay low a little longer.