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Identity Theft Risk Assessment Exercise

This detailed exercise will help you spot potential vulnerabilities in both securing your personal information and limiting the damages that may result from identity theft.

Please state how often you engage in each of the following behaviors:

	I check my credit report annually from each of the three major credit reporting bureaus (Trans Union, Experian, and Equifax).
	Never or rarely About 50 percent of the time Usually or Always

	I review my bank, credit card, and related account statements every month for unusual charges.
	Never or rarely About 50 percent of the time Usually or Always

	I save credit card receipts and check them against charges on my credit card statements.
	Never or rarely About 50 percent of the time Usually or Always

	I know the billing cycle for all of my bills (credit card, utility, cell phone, etc.) and contact my creditors if bills are not received on time.
	Never or rarely About 50 percent of the time Usually or Always

	I shred or burn pre-approved credit card offers, bank or brokerage statements, old pay stubs, tax records, credit card receipts, and other documents that could be of interest to identity thieves (utility bills, cancelled checks, expired credit cards, etc.) before throwing them away.
	Never or rarely About 50 percent of the time Usually or Always

	I avoid carrying my Social Security card as well as any other card that may have my social security number on it.
	Never or rarely About 50 percent of the time Usually or Always

	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.
	Never or rarely About 50 percent of the time Usually or Always

	I have a post office box or locked mailbox for incoming mail.
	Never or rarely About 50 percent of the time Usually or Always

	I place outgoing mail in a secured collection box or at the post office.
	Never or rarely About 50 percent of the time Usually or Always

	I ask if revealing a social security number or other personal information is required when completing certain transactions (for example, signing up for new utility, cable or cell phone service).
	Never or rarely About 50 percent of the time Usually or Always

	I buy only from secured (SSL encrypted) websites.
	Never or rarely About 50 percent of the time Usually or Always

	I avoid printing my driverâ€™s license number or social security number on personal checks.
	Never or rarely About 50 percent of the time Usually or Always

	I limit the number of credit cards in my wallet to cards I will be using and do not routinely carry my checkbook.
	Never or rarely About 50 percent of the time Usually or Always

	I limit the amount of personal information "out there" by not completing Internet "profiles" for rebates and contests and being cautious with online resume posting, electronic mailing lists, secured sites for online purchases, listings in Who's Who Guides, and other public data sources.
	Never or rarely About 50 percent of the time Usually or Always

	I have a list of credit card account numbers and related contact information so that I may report a lost card quickly.
	Never or rarely About 50 percent of the time Usually or Always

	I do not leave sensitive documents (pay stubs, credit card statements, etc.) at work.
	Never or rarely About 50 percent of the time Usually or Always

	I am generally "security conscious" and do not leave wallets or sensitive documents unattended or in plain sight at home (where they may be viewed by roommates, visitors, cleaners, home contractors, etc.).
	Never or rarely About 50 percent of the time Usually or Always

	I have virus protection on my computer and keep it up to date.
	Never or rarely About 50 percent of the time Usually or Always

	I do not store sensitive information or enable auto login to sensitive accounts on a laptop computer.
	Never or rarely About 50 percent of the time Usually or Always

	I avoid using easy to guess passwords.
	Never or rarely About 50 percent of the time Usually or Always