As I explained in my post a few days ago, I had an incident of identity theft and quickly moved to lock or freeze all my credit reports, which means I have to personally approve a possible lender or whatever to gain access. I just had to deal with that and while it was a bit of a hassle, it's much less a hassle than dealing with some nefarious person's access to my credit information.
Basically, I was informed that X needed to check a credit report [and I knew they would need to do that] so I went to one of the bureaus and unlocked it temporarily for X to access the information, they did so and then I locked/froze it again. It took about 15-30 minutes but not a major pain or major amount of time - again, compared with the very real problem of dealing with total identity theft.
Again, see my last post, but: use a password manager, change passwords among accounts so one doesn't open loads, freeze or lock your credit reports with the bureaus [there are 4 of them].
[P.S. This is a wonderful sculpture outside the Civic Center in Des Moines, Iowa]