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If your personal information has been stolen, criminals can use it to open lines of credit, file fraudulent tax returns, buy property, and obtain loans -- all of which can come back to haunt you.

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Even if you don't think you were affected by the Equifax breach, there are constant threats emerging, and hackers never stop at trying to obtain your private personal info for nefarious purposes. Don't just assume you're safe.

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Raised in the Bay Area but educated on the sandy beaches of San Diego, Tuong writes for Download.com specializing in Windows Security and Mobile Apps.