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If you decide NOT to get Identity Theft Insurance:

Without ID Theft Insurance:

  1. You must maintain very strong digital defenses. You must (A) use a Password Manager with all long, random, unique passwords, and (B) have MFA for all accounts. (As well as other items listed above and mentioned here: )

  2. Regularly check your credit report from all credit bureaus (at least year, probably every six months, or monthly).

  3. You need to pay close attention to ALL account change notifications on all your financial and other accounts (like an address change, phone number change, password change, etc.). Changes that you did not initiate may indicate that someone else has access to your account.

    1. Make sure the phone number and email & physical address listed on all your accounts is accurate.

  4. Be aware of your account information being hacked and released online; check monthly. (Or better, sign up for their free notification service at

  5. Find a way to monitor the Dark Web for your information being leaked and sold to criminals. Insurance usually does this for you, otherwise some Password Managers or other security suites offer this service.

  6. Take extra time to train yourself on how to avoid being fooled by sophisticated social engineering scams. (See resources below.)

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