It’s one of those things that you never think will happen to you. You’re going along in life, hunky-dory, then boom! There are fraudulent charges on your credit card, or an unknown credit card shows up on your credit report, or you get a call from a collection agency demanding payment on an account that you never even knew existed. Unfortunately, credit fraud and identity theft protection are not one of those things that you think about until it is too late. And if the person who stole your identity is a family member, such as your mother, father, sibling or even your own child, you also have an additional set of special circumstances to deal with.