A few suggestions: 1) Call your cellphone carrier and ask to set up a password/PIN to be used for when you call into the customer service phone number. 2) Consider your phone number and SIM card insecure. The phone carriers are ignoring the SIM swap problem even though they know how much damage it's causing. Give your phone number to as few companies as possible. Phone services such as Google Voice work without a SIM…
That's possible?! I only ever change password if I suspect it might have been compromised. Now if a service allows to use old passwords, that's quite a bummer and makes password change meaningless.