If you haven’t thought much about how to stay safe online, it’s high time — especially after the massive hack of the consumer credit reporting agency Equifax, which may have compromised 143 million people’s Social Security numbers and other personal data. Many experts say identity-theft services such as LifeLock, with their pricey monthly fees, aren’t worth the money and do little to help prevent data theft in the first place. But many online safety steps are common-sense and free, or nearly so, whether they guard against opportunistic thieves hoping to make off with a credit-card number or sophisticated cybercriminals holding your files for ransom.
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