First: don't panic. No one likes to have the word fraud directed at them, but try to stay calm. It sounds like nothing really bad has happened yet. One denied card app and one denied CLI request are no big deal.
Second: before you take any action, I suggest going to this post, following the link @Anonymous posted to an Experian white paper on "bust-out" (aka first party fraud), and reading it. Based on what you have told us about your recent actions, you might want to ask yourself if your profile fits that of a bust-out risk. I'm not saying that to be judgmental or accusatory. Quite the opposite. That white paper had a sobering effect on me. I realized that several of the things I was doing in my new-to-MF exuberance -- adding cards, CLIs, lowering utilization -- could make me look like a bust-out risk.
Third: garden. Based on the white paper, it seems like gardening and time will eliminate the perception of risk. I doubt there's anything you (or I) can say to a creditor that will persuade them you (or I) aren't a bust-out risk. The harder someone in your situation pushes for new credit, the stronger the creditor's suspicions might grow.
So that's my advice: relax, read the white paper, garden. You should be fine once some time passes. Thanks for sharing your experience, and good luck!
(edited to fix typo)
