Equifax Lock and Alert (and other ideas for digital security)

[Aardvark]

I am worried that I don't have adequate digital security against identity theft and somebody accessing my credit.

I found out about Equifax Lock&Alert, and it seems like a really great tool. Any thoughts or experience, or suggestions for alternatives, would be appreciated.
https://www.equifax.com/personal/products/credit/credit-lock-alert/

I am also planning on starting to use a password manager (probably 1Password).
https://1password.com/business-pricing

Anything else that I should be doing to keep myself and my money safe?

[jrhampt]

I have frozen my credit with all three bureaus, and I use 2 factor identification on everything that offers it.  Unless you're planning to need to open lines of credit in the future, this seems to be an easy solution to prevent anyone else from opening credit in your name.

[yachi]

There are 3 agencies: Transunion, Equifax, and Experian. 

I froze my credit with all three more than 4 years ago.  I just had to unlock my credit freeze with Transunion a month ago, and (s)surprise!(/s) my online account doesn't work anymore.  But calling was easy enough to get around it.

That and periodically checking you credit report is all that I would suggest.  Credit Karma is always trying to get me to log in, so I'm sure if something wild showed up, I'd get a notification in my email quickly.

Having someone access your money accounts and having someone use your credit are very different situations.  You can dispute credit situations, and file police reports if someone takes a loan out in your name, and you're very rarely out any money.  But accessing your accounts and moving money around could cost you dearly.  I use 2 factor authentication and check accounts frequently to prevent unauthorized and a undetected access.

[shingy]

I had an issue several years ago where someone submitted a fraudulent tax return with a refund in my name. Luckily, it was just with the IRS and no other accounts/etc were affected. But, I did immediately freeze my credit with the three bureaus. Also, I have long used a password manager (LastPass, but looking to switch - probably to 1Password) and also have every possible account set up with 2FA (using an Authenticator app, not text msgs, where possible). This has worked really well for me and I've avoided all issues since.