Every computer, social media platform, or online tool requries some level of authentication. This usually requires a username and password. Correctly managing these credentials can be a defining point in defending yourself from an online attacker. What if I told you that a hand written log of passwords is not the most insecure means of password management? Key requirements of credentials Lets start with the basics. A username is a value that is used to identify a user and a password is a secret that is used to verify a user is who they claim to be.