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The problem with a disabled device is that you can't type in the password anymore, even if you suddenly remember it. You either have to wait a certain amount of time or connect the iPhone, iPad or ...
If the perp has both the phone and its passcode ( without Stolen Device Protection activated), they could reset the Apple ID password, turn off Find My, possibly steal payment info or passwords ...
Having trouble signing in? Find out how to identify and correct common sign-in issues like problems with your username and password, account locks, looping logins, and other account access errors.
After stealing a phone, the passcode can be used to unlock the device and change the Apple ID password in the phone settings. This way, Find My iPhone can be disabled, meaning that the target can ...
Apple Accounts and passwords can be retrieved by answering account security questions on iForgot or by resetting from a trusted device with iCloud enabled and an unlock passcode set.
Can't remember your username? Use your account recovery phone number or email address to get it back.
Turns out you can reset any Apple ID password with nothing more than a person's email address and date of birth -- two pieces of information that are pretty easy to come across.
To manage and recover your account if you forget your password or username, make sure you have access to the recovery phone number or alternate email address you've added to your AOL account.