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From that list, the first one mentioned is the worst of the bunch. "8) A password cannot be too similar to a previous password.”

How can you possibly know this without storing the password in plain text or without storing something in the database that reveals critical information about the pattern?



You can ask for the old password and the new password twice. Solves your concern without storing anything critical.


Also: "Must not have been used within your last 20 passwords."

So you just have to provide your last 20 passwords.




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