Re-instating CC's after fraud, inquiries

[Anonymous]

I had fraud done to all my credit cards,  AE, BA,Barclays,Cap1,Chase,Citi,Discover, GEMB,HSBC,Target,WF,USAA,USB  most of these accounts had 2 or 3 different account #'s, due to mergers. I've cleaned up EQ,EX,TU. My credit was excellent before, dating back to 1990. Now I have to re-instate with each, involving a hard inquiry. In the past you were only allowed 3 inquiries every 6 months.

But I was told by CITI because of an act passed in 2009, If I attempt to re-instate all my cards in a 30 day period, I wont get the too many card inquiries problem.

All my credit limits where 10000 to 20000. I've had my own business for 30 years making 72000. Will I get the same credit limits, and have card saying I'm a card member since original date and what is the best way to go about having the inquiry problem.

[aftermath]

Are you saying that someone got a hold of ALL your cards and racked up bills on them?

[Anonymous]

Yes, a group got arrested, idenity fraud too all cards. Cleaned up with police report. Now I have to reapply for each card, which will cause inquiries.

[vish1]

Fraud on all cards, holy christ, this must be really painful for you.

I am not trying to be picky, just trying to understand what will you explain to the underwriters if you had to go through a recon on some of your cards. Did cops/you figure out how your identity was stolen? Were their any subtle hints that you ignored before the fraudulent charges popped on your cards?

This may be great info for many people (including me) to help keep our identity safe.

Please don't take me harsh, I understand that you are going through great pain for no bad deeds of yours.