This is why you need a phrase that you've never shared in a text or on social media that you can use so your family knows it's you. Especially to protect them from scammers pretending to be you.
Then came the time when I wanted to use it. They didn’t remember. Not the phrase. Nor that we ever talked about this in the first place.
Definitely more than 1yr and less than 10. I know that’s a wide range, sry.
Imagine your crying grandson who caused a traffic accident in Mexico and the police planted drugs in his car and now he needs money to pay them off. He is in pain and probably has a concussion (explanation why he can't remember what you are asking), the police is hassling him to get off the phone (time pressure, explanation why the quality of the call is terrible). Will you get hung up on some code word he asked you to memorise years ago and you can't even know where it is anymore? And if you bring it up he just starts crying and tells you that you are his last chance to turn his life around. And you remember when he was a wee little kid and he fell and scraped his knee and you comforted him. Just the thought of pressing him on the code makes you feel like a terrible person. Or not. And then the scammer just finds someone more gullible. Theirs is a number game after all.
> The solution the world's leading experts have landed on is one your grandparents could have come up with: codewords. You, your family, business partners and anyone else you communicate with about important subjects need to come up with a secret phrase that no-one else knows you can use in an emergency to verify each other's identities. Think of it like a convoluted form of the multi-factor authentication we all use to login online.
> "My wife and I have a codeword that we use if we ever get an unusual call," Farid says. "We haven't needed to use it yet, but sometimes I ask just to test her to make sure we don't forget it."