It's not "if" your information is on the dark web. It is there. If you have a credit card or any other kind of credit account, all of the companies have been hacked/compromised. Some companies were in the news that millions of accounts were exposed.

So... never contact anyone who sends you an email. Either ignore it totally or if it sounds reasonable, contact the institution directly with the phone number on your bill or the back of your card.

You can find my music at:
www.herbhartley.com
Add nothing that adds nothing to the music.
You can make excuses or you can make progress but not both.

The magic you are looking for is in the work you are avoiding.