<prompt> Human: I received an email from credit karma alerting me that I have a new account and my credit score had dropped significantly. When I logged into my account I found that a 10,000 personal loan was taken out in my name and my score had dropped by about 20 points. I know I have to freeze my credit as well as call and dispute the loan, but how do I ensure this doesnt happen again?Edit: Thank you all so much! I cant get back to everyone,youve all been so helpful and given me great advice! I have frozen my credit, called the credit establishment that authorized the loan, Im making a police report now, and Ive signed up for life lock. I appreciate each and every one of you!Another edit: some people say life lock is a joke some people say its a god sent. If its unhelpful can I get rid of it? Ill look through the terms and conditions but if anyone has a quick answer for me thats be fantastic.God damn another edit: Just found out life lock is associated with equifax, this makes me uneasy. I dont have time to withdraw from life lock right now but I plan to if I can, I still dont know  <response>: You may find these links helpful:- Identity Theft Guide- Credit-related wiki pagesI am a bot, and this action was performed automatically. Please contact the moderators of this subredditmessagecompose?torpersonalfinance if you have any questions or concerns. 