Don't waste money on ID theft protection services before fully utilizing the many free options available. Also consider if you have aging parents who might be susceptible to phone and internet scams.
Credit Monitoring:
Review your credit reports with the 3 major credit reporting services at https://www.annualcreditreport.com/. You can get one free report from each agency per year so check one of them in rotation every 4 months. Other options: https://www.creditsesame.com/ and https://www.creditkarma.com/
Credit Freeze:
Credit freezes are now free to everyone. A credit freeze restricts access to your credit report unless you specifically allow sharing with the person/firm seeking that info. You need to contact each of the 3 major credit reporting bureaus: Equifax, Experian, and TransUnion.
Password Managers:
Free services such as LastPass, Dahlane, KeePass, and RoboForm will generate and remember your passwords in an encrypted vault. You just need one master password to log into your websites.
Call-Blocking Apps:
Truecaller, Hiya and Call Control offer free smartphone apps. AT&T and T-Mobile offer free basic protection.
Source: "Your Money: Scam Alert" by Sid Kirchheimer for the AARP Bulletin.
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