Identity Theft Risk Assessment

This exercise helps to spot vulnerabilities in how you manage your personal information. By protecting your information, it's harder for thieves to steal it.

To protect your privacy, no information from this exercise is saved. If you would like to save your feedback, please cut and paste the recommendations into a separate document.

 Financial Education

Please state how often you do the following:

I check my credit report from each of the major credit reporting bureaus (Transunion, Experian, and Equifax) at every year.

I review my bank, credit card, and related account statements every month for unrecognized charges.

I save receipts and check them against charges on my credit card and/or debit card statements.

I know the billing cycle for all of my bills (credit card, utility, cell phone, etc.) and know how to contact my creditors if bills are not received on time.

I shred or burn preapproved credit card offers, old bank or brokerage statements, old pay stubs, old tax records, and other documents with detailed personal information before throwing them away.

I avoid carrying my Social Security card or any other document that may have my Social Security number on it.

I avoid giving out my Social Security or bank account numbers to unsolicited callers or orally (in a store for example) where others may be listening.

I have a post office box or secured mailbox for incoming mail.

I place outgoing mail in a secured collection box or drop if off at the post office.

I ask if disclosing a Social Security number or other personal information is absolutely required when completing certain transactions (like signing up for utility, cable or cell phone service).

I buy only from websites that use SSL encryption (your browser displays a "locked" icon).

I avoid printing my driver's license number or Social Security number on personal checks.

I limit the number of credit cards in my wallet to cards I will be using and do not routinely carry my checkbook.

I limit the amount of personal information "out there" by not revealing my address or birthdate for coupon or contest websites and by using restrictive privacy settings on social media websites.

I have the customer service phone numbers for all credit or debit card accounts so that I can report a lost card quickly.

I do not leave sensitive documents such as pay stubs or credit card statements at work or in other unsecured locations.

I am generally "security conscious" and do not leave wallets or sensitive documents unattended or in plain sight at home when roommates, visitors, cleaners, home contractors, or other individuals are present.

I have virus protection on my computer and keep it up to date.

My computer(s) require a password to log in.

I avoid using easy to guess passwords or the same password on every website.

TIP: If the form doesn't submit, check for skipped questions in red.

 Financial Education