Identity Theft Answers

Denzel is saving to buy a house and knows he needs a good credit score to qualify for a low-rate mortgage. He has been regularly checking his credit score.How can Denzel protect himself from identity theft?

A

Denzel should contact the three credit bureaus to place a freeze on his reports.

B

Denzel should contact the three credit bureaus to place a freeze on his reports.

C

Denzel should begin to check his credit score every week rather than once a month.

D

Denzel should begin to check his credit score every week rather than once a month.

E

Denzel should throw offers for new credit cards that he receives in the mail in the trash.

F

Denzel should throw offers for new credit cards that he receives in the mail in the trash.

G

Denzel should respond to the emails and texts that he receives advertising great mortgage rates.

H

Denzel should respond to the emails and texts that he receives advertising great mortgage rates.

2

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Karen received a letter from her place of employment indicating that a data breach occurred within the organization and that personal employee information has been compromised.Which type of theft does this scenario represent?

A

online identity theft

B

medical identity theft

C

financial identity theft

D

employment identity theft

3

Sami recently went on vacation and posted pictures of her trip on her social media. She then updated some of her passwords. Shortly after she noticed unusual activity on her social media account but not on any other accounts.How can Sami protect herself from identity theft?

A

Sami should close her social media account, open a new one, and change the password.

B

Sami should close all her social media accounts as well as all banking and other financial accounts.

C

Sami should close her social media account and contact the provider letting them know their site is not secure.

D

Sami should close her account, change and strengthen all her passwords, and keep watch over all her accounts.

4

Which of the following represents an example of identity theft?

A

using another person’s credit card to make unauthorized purchases

B

using another person’s credit card to make unauthorized purchases

C

sharing a password for a streaming service with a family member

D

sharing a password for a streaming service with a family member

E

providing your social security number when filling out a job application

F

providing your social security number when filling out a job application

G

receiving a phishing email but not providing personal information

H

receiving a phishing email but not providing personal information

5

What are suggested guidelines for resetting and remembering passwords?

A

Change passwords every few months, use the same password for different accounts, and consider using a password manager.

B

Change passwords every few months, use the same password for different accounts, and consider using multi-factor authentication.

C

Change passwords every few months, do not use the same password for different accounts, and consider using a password manager.

D

Change passwords every few months, consider using multi-factor authentication, and keep a written password journal to avoid reusing passwords.

6

Who should you contact if your personal identity has been compromised?

A

your local library

B

a family member or friend

C

your local law enforcement agency

D

customer support of your favorite online shopping site

7

Amir has noticed an increase in junk email and spam that include suspicious links.Which proactive step should Amir take to secure his personal information and data?

A

Amir should change his email account password and enable multi-factor authentication.

B

Amir should change his email account password and enable multi-factor authentication.

C

Amir should reply to the spam emails asking them to stop sending spam and junk emails.

D

Amir should reply to the spam emails asking them to stop sending spam and junk emails.

E

Amir should post pictures of the emails in online forums or on social media platforms to seek advice on how to deal with the junk email issue.

F

Amir should post pictures of the emails in online forums or on social media platforms to seek advice on how to deal with the junk email issue.

G

Amir should click on the suspicious links to investigate their legitimacy and gather more information about the source of the spam emails.

H

Amir should click on the suspicious links to investigate their legitimacy and gather more information about the source of the spam emails.

8

Matteo received a text message from his payment app (P2P) alerting him of a deposit made to his account from someone he did not recognize.Which proactive steps should Matteo take to protect his financial information?

A

Matteo should delete the text, report it as junk, and change his password or PIN.

B

Matteo should delete the text, report it as junk, and change his password or PIN.

C

Matteo should forward the text message to all his contacts to show them how easily fraud can occur.

D

Matteo should forward the text message to all his contacts to show them how easily fraud can occur.

E

Matteo should contact the phone number mentioned in the text message and provide his banking details for further assistance.

F

Matteo should contact the phone number mentioned in the text message and provide his banking details for further assistance.

G

Matteo should reply to the text message and provide his personal and financial information to verify his identity and claim the deposit.

H

Matteo should reply to the text message and provide his personal and financial information to verify his identity and claim the deposit.

9

Talia noticed a small charge in her checking account that she did not recognize. She has not experienced any other signs of identity theft.What should Talia do next to be proactive?

A

Contact her bank to dispute the charge and request a new card.

B

Contact her bank to dispute the charge and request a new card.

C

Continue to watch for any other fraudulent activity on all accounts.

D

Continue to watch for any other fraudulent activity on all accounts.

E

Call the company associated with the charge to dispute the transaction.

F

Call the company associated with the charge to dispute the transaction.

G

Contact her credit card companies to see if they’ve noticed any suspicious activity.

H

Contact her credit card companies to see if they’ve noticed any suspicious activity.

10

Mya regularly orders online from a big-box store, so she keeps her credit card information saved in her store account. While reviewing last month’s credit card statement, she noticed purchases she did not personally make with that store.Which steps would help Maya resolve the issue?

A

Mya should contact the credit company and place a credit freeze on her accounts.

B

Mya should contact the credit card company and update her store account with a different credit card.

C

Mya should contact the credit card company and remove her credit card information from her store account.

D

Mya should contact the credit card company and no longer make purchases with that big-box store since their site is not secure.

11

Lucas received a text from his payment app (P2P) indicating that he needed to reset his password. He clicked on the link and followed the directions. After providing updated personal information, he realized this was a scam.What are Lucas’s immediate next steps?

A

Lucas should report the scam to the payment app and contact the credit card company linked to the app to deactivate his account.

B

Lucas should click on any other links provided in the scam text message to gather more information about the scammer.

C

Lucas should delete the payment app from his device and avoid using any payment apps in the future to prevent similar scams.

D

Lucas should share his experience on social media platforms, warning others about the scam and seeking help to resolve the issue.

12

Daniella attempted to file her tax return and learned that someone had already filed a fraudulent return using her name.After contacting the FTC and the IRS, which step would help to resolve the issue?

A

Daniella should ignore the issue and hope that it will resolve itself over time.

B

Daniella should contact the three major credit bureaus to place a freeze on her credit.

C

Daniella should post about the issue on social media and wait for a response from the IRS.

D

Daniella should confront the person who filed the fraudulent return and demand an explanation.

13

Mark and Tonya are applying for a car loan and have been denied. They know they have no other debt, and their bills are always paid on time. When the loan officer shows them their low credit score, they review their credit report to see several new credit accounts with large balances opened in their name.Which type of theft does this scenario represent?

A

online identity theft

B

medical identity theft

C

financial identity theft

D

employment identity theft

14

Rose is going on vacation. What protective measures should she take to be proactive against identity theft?

A

Rose should ask someone she trusts to collect her mail on a regular basis.

B

Rose should leave a note in her mailbox to let her mail carrier know that she is out of town.

C

Rose should be sure to post where she is on her trip so that her neighbors know where she is.

D

Rose should be sure to leave a note on her door for a delivery person letting them know she is not home.

15

Which is an example of protected personal information?

A

the digits in a zip code

B

the characters on a license plate

C

the digits in a work phone number

D

the characters in a driver’s license number

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