Identity Theft Quiz: A Quiz for Consumers
Identity thieves are always on the cutting edge of technology to find ways to steal consumers identity. However, there are ways that YOU can reduce the risk of being a victim of identity theft. We've provided a simple quiz for you below. Check it out and see how you score.
- For all of my Credit Cards in my wallet, I make sure that I do not write my pin on any of the credit cards.
Reason: If your wallet is ever lost or stolen, identity thieves will not be able to access your account as easily if they do not have access to your pin #.
- When I leave my home, I only take the fewest amount of credit/debit cards that I need.
Reason: If your wallet/purse is ever stolen, you can greatly reduce the risk of having multiple cards charged. You'll also have less banks or credit card providers to contact as well. You can protect yourself greatly by only taking the cards that you need while keeping the other cards in a safe place at home.
- I go over the details of my credit card statement each month.
Reason: Credit Card companies are very willing to help you fight fraud. It's much easier to dispute a transaction that happened within the last month rather than 3-5 months prior. Make sure you go over your statements in detail each month so that you can be aware of ALL of the activity on your account.
- I shred my monthly bank statements, credit-card bills, or other documents with personal financial information on them.
Reason: Dumpster diving isn't something the homeless do, it's something identity thieves participate in as well. They will go through your trash to find any personal information that they can get their hands on in hopes of gaining credit in your name. Make sure you always tear up or shred documents with personal information before throwing them in the trash.
- I request a copy of my credit report at least once a year.
Reason: Requesting your free credit report once per year is never a bad idea. You can get a detailed view of your lines of credit and you can also see if any new lines of credit have been opened in your name. Contact the three major credit bureaus - Equifax (1-800-685-1111), Experian (1-888-397-3742), or Trans Union (1-800-916-8800) - to request a copy.
- If you think that you may are a victim of identity theft, immediately contact
- The FTC. They will be a great resource in how to deal with identity theft.
- The three major credit bureaus. They will also help in dealing with identity theft by putting holds on accounts and freezes for your personal information.
- My local police department. You need to file a report with your local authorities.
- All businesses where the identity thief conducted transactions in your name.
So, how did you score on this quiz? If you answered NO to two or three of the questions about, you are someone who can benefit from taking more precaution. Remember, an identity theive doesn't have to personally know or come in contact with you. They can commit these crimes from the comfort of their own home. The more you do to protect your personal information, the better shielding and security you provide yourself.