You should assume that the identifying details in this database are already leaked. The Equifax breach in 2017 exposed about half of all Americans. The National

You should assume that the identifying details in this database are already leaked. The Equifax breach in 2017 exposed about half of all Americans. The National Public Data breach last year included 272 million Social Security numbers. You can get an inconvenient approximation of challenge/response by freezing your reports with the bureaus and only unfreezing them briefly when applying for new credit.