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20 questions
What are the long-term negative effects of identity theft? (hint: choose 2 correct answers)
Inability to access and use your bank account
A poor credit score
Extremely time consuming to fix the problem
You will likely lose your job
Which is NOT one of the three main credit reporting agencies?
Experian
Equifax
Vanguard
Transunion
A credit freeze...(hint: choose 2 correct answers)
Allows you to restrict access to your credit report
Can only last for 30 days
Is always a free service
Does not affect your credit score
Which is NOT a form of identity theft?
New Account Fraud
Medical Identity Theft
Account Takeover Fraud
Software Installation Fraud
What can you do to protect your identity online? (hint: choose 3 correct answers)
Always use the same password for every account
Create a unique password with special characters
Be cautious of personal information you are sharing online
Shop only on a secure site
What does EMV stand for?
Every Machine Valid
Europay, Mastercard, Visa
Equity, Money, Validity
Euro, Monetary, Visa
How does the chip card provide protection from identity theft?
It requires you to sign for every purchase made
The processing time takes longer
It generates a one-time code for every transaction
The transaction is through a 3rd party check for ID theft
The first thing you should do if you are a victim of identity theft is
Call the police
File an initial fraud alert
Contact your bank
File an identity theft report
What is 2 Factor Authentication?
Requires you to enter your password twice to enter a website
Does not provide protection against identity theft
Sends a secondary one-time password to an external device
Requires the card's CVC code for every transaction
Getting sensitive information by disguising as a trustworthy entity in electronic communication
Investment scam
Pyramid Schemes
Banking scam
Phishing scam
Which of the following passwords is the most secure?
03011999 - it's my birthday
password - easy to remember
Football2018 - a combination of letters & numbers
#mhalll+1! - a combination of letters, numbers, & characters
At what website can you report an instance of identity theft?
reportmyidentitytheft.com
getbackyouridentity.gov
annualcreditreport.com
identitytheft.gov
Why is it important to act fast if you suspect you are a victim of identity theft? (hint: choose 2 correct answers)
The longer you wait, the more potential problems to fix
There is a 7 day window to report identity theft
With more time, the ID thief has more time to cheat you
There is a fee if reported later than 30 days
An extended fraud alert is good for
One year
Five years
Seven years
Ten years
True or False: A credit freeze is the same as a fraud alert.
True
False
Which is a warning sign that someone is using your information? (hint: choose 3 correct answers)
You find credit card charges you did not make
You get bills for medical services you did not use
Debt collectors call about debts that are not yours
Debit card transactions are taking a long time to process
Which government agency oversees & provides information on identity theft?
Federal Communications Commission
Department of the Treasury
Federal Trade Commission
None
Identitytheft.gov helps you recover from identity theft by
Checking your credit score
Creating a recovery plan just for you
Getting a free copy of your credit report
Contacting your local police department
What is a reasonable way to protect yourself from identity theft? (hint: choose 3 correct answers)
Know the signs of phishing
Always pay cash; never use a debit or credit card
Strengthen your passwords
Check your credit report often
The government authorized site to check your credit report is
Freecreditreport.com
Annualcreditreport.com
Creditreport.gov
Equifax.com
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