"You can do everything right. You can use long and strong passwords and account-unique user names. You can check your financial accounts and monitor your credit on a regular basis, you can set up transaction alerts on your credit cards -- even order a credit freeze -- and then you die. Well, not entirely… A good identity thief can undo all your fraud precautions with a few phone calls... the recently deceased continue to exist on paper... many bankable facts.... your Social Security number and personally identifiable information... are just sort of there in the form of “zombie” purchasing power. An identity thief can use that purchasing power to drain your bank accounts, open new credit in your name and perpetrate all sorts of fraud that can impact your family and heirs."