I pay $2.75 (it's usually 5.50) to Experian through USAA for a credit watch. Do you have something like this? If you didn't, would something like this have helped, or wouldn't it have shown until the damage as done? Probably not I would guess, but the watch makes me feel better about it. (Knock on wood.)
The fraud didn't hit my credit report until Comcast turned it over for collection. I would have found out about it a couple of weeks earlier, but that wouldn't have made any difference.
I don't know what will happen next. I'm going to just wait a few days for the wheels to grind before I place some followup calls.