Credit Fraud, Are You Really At Risk? Find Out!
A Credit Fraud Risk Assessment Quiz.
Do you make a good Identity Theft Target?
Identity Theft and Fraud can happen to anyone, even you. Do you know what steps to take to minimize the chances? Take the short quiz to find out.
Answer all questions as truthfully as possible. You are the only one doing the grading so there’s no point in not being truthful, is there?.
The answers are provided at the bottom of the page (in red).
(Please note, this quiz is provided for informational purposes only. We do not represent that any score is an exact indication of your true risk or lack of thereof).
Let’s begin.
- What do you do with unsolicited offers for “pre-approved” credit cards?
A. Shred
B. Trash
C. Open, then trash
D. Use the envelope to send back other junk mail - When an expected credit card bill doesn’t arrive, what do you do?
A. Contact credit card company
B. Think, “No bill, no payment”
C. Send a check anyway
D. Wait a couple of weeks to see if it’s just late - How often do you check your annual credit report?
A. Only when you apply for additional credit
B. Whenever
C. Regularly
D. Credit Report? What’s that? - When you receive mail, pick one that applies:
A. It is hand delivered
B. Stays in mailbox for a short time
C. Stays in mailbox for more that 6 hours
D. I have a mailbox at the Post Office - How often do you check your credit card statements?
A. Immediately
B. Before it’s due
C. All the time from a secure computer
D. Whenever I feel up to it - Do you know EXACTLY where your social security card is right now?
A. Purse or wallet
B. Glove box in car
C. In a safe at home
D. My parents keep it for safekeeping - Where are your financial records usually kept?
A. In a safe at home
B. On your “work” desk in your home office
C. In a file cabinet under “Important Stuff”
D. In a shoe box - At work, how often do you change your password?
A. Once weekly
B. Once monthly
C. Daily
D. Never - You lose your wallet but it is returned to you with “everything intact”, you
A. Call all necessary parties to notify them and check for usage of the cards
B. Ask for immediate replacements
C. Breath a sigh of relief
D. Reward the finder - When you read in the newspapers that your credit card company “lost” 30,000 credit records when an employee’s laptop was stolen, you:
A. Call the company to give them an earful
B. Do nothing. After all, they’ll inform you if you were one of the records
C. Call and cancel the card
D. Request ALL new account numbers from all of your credit card companies and banks.
“Pop Quiz, do you have a secure place to file all incoming and outgoing bills, statements, checkbooks, etc. All things that can be deemed “Personal Information”? Do you use it everyday?”
CREDIT FRAUD QUIZ ANSWERS
1. A. Shred them.
2. A. Contact your credit card company.
3. C. Quickly uncovers potential situations.
4. D. Mail that sits in an unlocked mailbox is often targeted by id thieves.
5. A. Statements should be checked upon arrival. Again, this quickly uncovers potential credit fraud situations.
6. C. Why carry it around?
7. A. Secure location. Note: A small firebox does not qualify as “secure.”
8. A. Weekly is a safe period.
9. B. Nothing wrong with rewarding the finder, right AFTER making sure you have alerted all banks and credit card companies!
10. D. The records stolen may contain more that just information specific to just that credit card company.
HOW DID YOU SCORE?
All 10 correct: You have minimized your risk of being a victim of credit fraud.
1-2 Wrong: Good. Some additional work is needed to secure your position.
2-4 Wrong: Lots of room for improvement. You are somewhat at risk of becoming a victim of identity fraud.
5 or more wrong: Now is the time you should be taking serious steps towards minimizing your risk of becoming a victim of Credit Fraud. You are a prime target for this type of crime.
After taking the quiz, you realize that you are a prime target for ID theft and credit fraud, but you are not too sure if you should do something about it. Do not feel left out. Many people find themselves in this position today and rather than take action, they do nothing.
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