I've had our Credit Locks on for years.
If you are talking about a financial fraud, you need to work with your local police. Don't worry about where the fraud took place. We had two frauds. First was a cloned check spent at a ToysRUs in Minnesota! I've not been there in 50 years. I talked with the bank and local PD. A few years ago my CC was skimmed at Murphy gas station (VERY COMMON). But then it was cloned and used at a small town just 40 miles away. So I talked with the local branch bank and called the PD 40 miles over about me driving over, filling out forms, whatever was needed. They said "Call your local PD, they take the facts and statement and they will contact us". It worked great! I sat in my living room and spoke with my local officer and a few weeks later I was getting calls from the other PD detective and assistant DA. Yes, there was camera footage, yeah this was a known "person with legal issues", yeah they had her in custody....