I called my credit union to ask how to secure my account after the Equifax Data Breach. News to me, they offer an additional level of security for phone call account access.

This Is The Big One Folks (IMHO). If all the scammers got was credit card numbers, then new cards could simply be issued. This is different by a long shot. And it ain't going away this year, or next year, or a decade from now. Not useless the dysfunctional US gubmint fixes it by issuing new Social Security numbers to 134 Million people. So no, this cancer is here to stay.