- Credit freezes: TransUnion, Equifax, Experian, Innovis, ChexSystems
- Annual IRS identity protection (IP) PIN
- Create a Social Security Administration my Social Security account
- Enable myE-Verify SSN Self Lock
- End-to-end encrypted password manager with use of unique high entropy passwords and passkeys: Bitwarden, Inc., KeePass-based (e.g., KeePass, KeePassXC, KeeWeb, KeePassium, Strongbox), and Apple Inc. password managers are suggested.
- Multi-factor authentication: Google Authenticator, Microsoft Authenticator, Duo Mobile, and Yubico (YubiKey) security keys are suggested.
- Regular review of credit files at AnnualCreditReport.com
- IdentityTheft.gov
- Carefully consider the risks and benefits of free credit monitoring services offered to victims of data breaches by governments and businesses. Inputting confidential personal information into these credit monitoring services may increase attack surfaces for potential future data breaches. Any identity theft insurance offered is usually of minimal potential benefit (these insurance contracts typically do not offer indemnification for stolen funds or fraudulent debts); review these insurance contracts carefully.
- Opt out of prescreened offers from creditors and insurers: OptOutPrescreen.com
- Washington State residents: Create a SecureAccess Washington account and register your account with the Department of Licensing (DOL) and Employment Security Department (ESD).
- Additional Credit Reporting Agencies to consider freezing credit files or opting out from reporting: LexisNexis, National Consumer Telecom & Utilities Exchange (NCTUE), TheWorkNumber.com
A defense of profit sharing plans
While pension plans are frequently touted as a superior option to profit sharing plans as a vehicle for employee retirement funding, there has been a
Bentley Makkar
December 14, 2024
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