All your financial accounts should have 2FA (2 factor authentication, where you get a text with a 6 digit code), as well as separate strong passwords.
In addition, everyone should freeze your credit.
This means contacting the four credit agencies and ask them to freeze your credit.
This means no one will be able to take out credit in your name INCLUDING YOU.
You will also need to keep a letter sent to you by one of those agencies in a safe place because it will make unfreezing your credit easier in the future.
I did this after I was one of the millions of victims of the Experian data breach.
My credit has been frozen for at least seven years or more.
I have not taken out any type of loan or new credit card in that time.
This is Free in some states.
There may be a small one time fee with one or two of the agencies.
There is absolutely no need to pay for some credit monitoring company.
When I was a victim of the breach Experian would have given me free credit monitoring for two years.
However, after that I would have had to pay for the service.
“All your financial accounts should have 2FA (2 factor authentication, where you get a text with a 6 digit code), as well as separate strong passwords”
All mine ask for 2FA except for Chase. Maybe I turned it off inadvertently. I should get 2FA established for Chase.