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One of the tricks I learned, and taught, as an IT specialist was quite simple. When creating answers to security questions, LIE! i emphasize this only to be funny, but the procedure works. As long as you remember or safely record the answers, you can say your father's middle name is anything! Your elementary school could suddenly be in Bangkok! People who can find real answers aren't helped unless you do something too routine or obvious when you create the fictitious answers. You can't fake some things, but most of you will know what you CAN alter.