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How to Stop a Thief From Taking Over Your Apple ID
You can stop someone from totally taking over your Apple ID by enabling screen time, setting a passcode on it and then turning off account changes. You're using screen time to stop your quote unquote yourself from doing one specific thing which is making changes to your account. Once you do that, then if the thief gets your phone and they unlock it with your passcode that they should have, when they go to change your Apple ID password, it will say "screen time says you're not allowed to make a changes to your Account" And so then you'll have a screen time passcode that is not in your iCloud key chain. Don't put it in a secure note because they can