https://krebsonsecurity.com/2024/08/national-public-data-published-its-own-passwords/
"The point is, if you’re an American who hasn’t frozen their credit files and you haven’t yet experienced some form of new account fraud, the ID thieves probably just haven’t gotten around to you yet."
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YES! Also, I know some folks worry that if they freeze their credit they won't be able to use their credit cards.
Absolutely not so. They can go ahead and use their cards, but no *new* accounts can be opened until they unfreeze their credit.