Your data is already out there. The question is how much, and who is selling it.
One email address, checked against the public breach corpus, returns named and dated incidents. We rank what to do about it with the free options first — and this edition is walled: never shared with a commercial partner, no exceptions.
What email do you use most?
One address, checked against the public breach corpus. Named and dated incidents, ranked by what to do about each one — free options first, no personal data shared with any partner.
Older people are scammed less often — and far more expensively.
Reports filed fall with age, while the median loss per report climbs steeply. Frequency-based advice is aimed at the wrong end of the problem — this is why CoverScore ships the dual-axis ladder instead of a single frequency number.
The median fraud loss climbs a ladder by decade: $417 in your 20s, $520 in your 50s, $691 in your 60s, $1,000 in your 70s, $1,650 at 80+ — while the share of reports involving any loss falls from 44% to 21%.
dual-axis: bars = primary measure · right column = secondary measure by the same bands
Exposures, scored separately
Breach exposure is automated from one email address. The rest need something from you, and each says so — a tier-B row always shows its qualifier.
9% of Americans 16+ experience identity theft each year (23.9M people); 22% — 1 in 5 — have experienced it in their lifetime. The peak age band is 50–64, not seniors.
Romance-scam median losses climb every decade: $750 (18–29) to $4,000 (50s), $6,000 (60s), $9,000 (70+).
12% of Americans 16+ received at least one data-breach notification in a single year — the only true per-person government probability.
Manual DIY opt-outs removed 70% of people-search profiles within a week — beating every paid removal service; the worst paid service managed 4% in four months.
same denominator, both figures
72% of the $28.3 billion taken from older Americans each year is taken by people they know — and in bank elder-theft filings, adult children are the most frequent perpetrators.
The strongest thing you can do is free.
Ranked on published effect size where one exists — and where it does not, we say so rather than implying one.
Turn on MFA everywhere; hardware keys blocked 100% of targeted phishing in Google's study.
Enabling MFA reduced account-compromise risk by 99.22% — and by 98.56% even for accounts whose passwords had already leaked.
Only 17% of Americans have a credit freeze or fraud alert — both free since 2018. No causal effectiveness study exists, but a freeze blocks new-credit pulls by construction.
The defensible version
The typical identity-theft case: median $0 out of pocket (88% of victims lose nothing), median 1 hour to resolve. The catastrophic cases concentrate in the elder tail.