Sadly I see a lot of victims of scams / identity fraud in my work.

My advice to people generally is:

Be vigilant, don’t click links in emails, don’t talk to people who call you, have conversations with the people you care about reminding them to also be vigilant.

For access to government services, set up the myId app for 2fa, don’t use SMS.

For other services, use a 2fa code generator, or SMS if that’s all thats available.

Use a password manager, but be wary that non-technical people might find this out of reach. Their browser’s built in password management is better than nothing.

Your State’s department of transport probably lets you lock your profile so your drivers license number can’t be used to verify your identity. Be aware that you’ll need to unlock this when you want to allow someone to confirm your id.

Similarly you can lock your credit rating at experian or equifax:

• https://www.experian.com.au/consumer/request-a-ban
• https://www.equifax.com.au/eform/submit/credit_ban03