On the other end, prevent malicious actors from using identity theft to get credit cards and loans: freeze your credit.
- Transunion: https://www.transunion.com/credit-freeze
- Experian: https://www.experian.com/freeze/center.html
- Equifax: https://www.equifax.com/personal/credit-report-services/credit-freeze/
It'll be a minor hassle when you go to get a car loan, and forget that your credit is frozen - but you will be able to temporarily unfreeze it from your phone.