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To prevent criminals from opening bank, utility and phone accounts in your name, you need more than a credit freeze. Here’s what to do. USA TODAY

Brace yourself for some cold, hard, facts.

Cybercriminals will steal an estimated 33 billion records by 2023, according to Juniper Research, a firm that forecasts digital tech trends. Half of all data breaches globally will occur in the U.S. alone, says.

Joshua Lamont, 44, founder of JRL Strategies, a communications consultancy in Menlo Park, California, knows the crushing impact of cybertheft