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WorksheetsCareer Prep - Identity Theft
Total questions: 25
Worksheet time: 13mins
The agency that identifies when theft occurs when someone is wrongfully acquires and uses a consumer's personal identification, credit, or account information.
Federal Trade Commission (FTC)
U.S. Health & Human Services
Department of Labor
U.S. Department of Treasury
What daily activities require an individual to share personal information?
Going to doctor
Online/telephone shopping
Making purchases with check, credit or debit card
Applying for credit card or loan
Going to church
What are some methods thieves steal personal information:
Encrypting
Hacking
"Dumpster Diving"
Skimming
Phishing
What can identity thieves do with your information?
Rent an apartment
Applying for credit cards or store credit accounts & student loans
Obtaining cash with bank cards
Run for President
Get a job
What option is incorrect with preventing identity theft if you carry a wallet or purse?
Carry what's necessary
Carry your social security card
Do not hang purses from chairs
Use purses that close securely
What should you do to prevent identity theft for credit and debit cards ?
Keep unwanted account open and never cut up cards
Memorize PIN
Do not give out account numbers unless transaction is initiated by you
Check statements regularly for fraudulent use
What option is incorrect when preventing identity theft with credit card offers?
Never shred credit card offers and applications
Cut up pre-approved credit card offers
Shred credit card offers and applications
"Opt-out" of pre-screened credit offers for five years
What items are you carrying that reveal your personal information?
Driver's License Number
Bank Account Numbers
Credit Card Numbers
Address & Telephone Number
Shopping List
What step(s) would you use for mail in preventing identity theft?
Toss credit card offers, bills, statements, & other personal information in garbage
Put outgoing mail in your mailbox with flag up for mailperson
Never request vacation holds when unable to pick up mail
Never leave mail in unsecured mailbox overnight for long periods of time
Using a password that is unique with combination of words, numbers, symbols is an example of which category in preventing identity theft?
Telephone
Social Networks, Blogs, & Chat Rooms
How would you prevent identity theft over the phone?
Verify source of phone call by calling company for confirmation it's them
Use phone number on account statement
Use phone number on website
Answer any questions they request from you
What safeguards can you use to prevent identity theft for computer security?
Install current anti-virus & anti-spyware
Always click on pop-up ads
Never set browser security past Medium
Always choose security questions only you know
Continue shopping & banking when computer has a virus or spyware
What step below is not a way to prevent identity theft when using social networks, blogs, and chat rooms?
Limit access to posts for defined user groups
Never post full name, Social Security Number, bank or credit card information, address, or phone number
Never use privacy settings to restrict access to personal sites (SnapChat, IG, FB, etc.)
Avoid posting information where you spend time (school, work, etc.)
What sign(s) should you look for on your computer (browser window) to check if an internet site is secure?
https
http
What is something you can do to keep your Social Security Number safe from identity theft?
Give Social Security Number out when it's not necessary.
What credit reporting agencies can you request a free credit report from?
Houston Federal Credit Union (HCFU)
How often can you receive a free credit report from each reporting agency each year?
2
1
3
4
What should you do if wrong information is found on your credit report?
Immediately dispute it.
Never correct it.
Worry about it.
Hope it goes away on its own.
What signs should you watch out for when recognizing identity theft?
Calls from collection agencies
Being denied credit when there's no reason
Incorrect information on your credit report
Prompt receipt of all bills and statements in mail
When identity theft happens to you what is the second step you should take?
Delay acting on issue(s).
Act immediately!
Keep detailed correspondence/phone records & follow up in writing via certified mail.
Contact 3 major credit bureaus & request free fraud alert be added to credit report.
If identity theft happens...what is the first step to take?
Close all accounts which have been tampered with/opened fraudulently.
Go to lunch.
File a police report with local police.
File complaint with FTC: www.ftccomplaintassistant.gov
How much can you be held liable for?
Truth in Lending Act limits liability for unauthorized charges to $500.00 per card.
Letter must be received by creditor within 120 days of first bill with error.
Dispute must be resolved within 90 days of creditor receiving letter.
Equivalent to a grocery bill for one month for family of five ($1,565).
What is your personal liability with checks?
Contact your bank & request stop payment (fees may be associated with stop payment).
$300
Most states hold bank responsible for losses with forged checks.
0
What's your personal liability with ATM & Debit Cards?
within 45 days $100.00
within two days: maximum $300..00
within sixty days: maximum $500.00
after sixty days person may be liable for $100,000
What Identity Theft Protection services are offered by banks and other companies?
Close monitoring of your accounts and personal information
No alerts to consumer when there is a change in history
No help with identity theft problem resolution
Typical cost is $500 and more a month depending on services provided
