There have been mentions of freezing your credit accounts. I have had this in place for some years now, and find it effective. It would be a pain if you plan to get many loans or open many credit accounts. As an old guy, I don't really need to borrow money, so it works for me. Every few years I test the system by applying for credit -- all such attempts have been turned down by the credit reporting agencies. So, I am happy.
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