CSCU - Certified Secure Computer User Mitigating Identity Theft Questions and Answers

Question 1

You review your credit card statement and notice several transactions you did not make.
After reporting the fraud to your credit card company, what is the MOST critical next step to protect yourself from further identity theft?

Accepted Answer

Contact one of the three major credit bureaus to place an initial fraud alert.

Answer

File a police report in your local jurisdiction.

Answer

Change the passwords for all of your online accounts.

Answer

Shred all of your old financial documents.

Question 2

Which of the following is the primary function of a security freeze (or credit freeze) placed on your credit reports?

Accepted Answer

It restricts access to your credit report, making it difficult for new lines of credit to be opened in your name.

Answer

It notifies you via text message every time one of your creditors reports a payment.

Answer

It stops you from receiving pre-approved credit card offers in the mail.

Answer

It erases negative payment history from your credit report after five years.

Question 3

Which U.S. federal law gives consumers the right to receive one free copy of their credit report from each of the three main credit reporting agencies every 12 months?

Accepted Answer

Fair and Accurate Credit Transactions Act (FACTA)

Answer

Gramm-Leach-Bliley Act (GLBA)

Answer

Health Insurance Portability and Accountability Act (HIPAA)

Answer

Children's Online Privacy Protection Act (COPPA)

Question 4

A user regularly completes online quizzes on social media that reveal personal trivia, such as 'What was the name of your first pet?' or 'What is the name of the street you grew up on?'. What specific risk does this behavior create?

Accepted Answer

It can publicly reveal the answers to common security and password recovery questions.

Answer

It directly exposes their Social Security Number to data brokers.

Answer

It increases the amount of advertising spam they will receive.

Answer

It automatically enrolls their profile in paid subscription services without consent.

Question 5

To prevent 'dumpster diving,' where thieves steal personal information from trash, which of the following is the MOST secure method for disposing of documents containing sensitive data?

Accepted Answer

Using a cross-cut or micro-cut shredder.

Answer

Tearing the documents into a few large pieces before discarding.

Answer

Placing the documents in a sealed, opaque trash bag.

Answer

Soaking the documents in water until the ink becomes unreadable.

Question 6

You receive an unsolicited phone call from someone claiming to be with the IRS. They state that a warrant has been issued for your arrest due to tax fraud, but it can be voided if you immediately pay a fine using gift cards. This is a classic example of what type of scam?

Accepted Answer

A vishing (voice phishing) and impersonation attack.

Answer

A mandatory IRS account verification process.

Answer

A legitimate asset recovery procedure.

Answer

A multi-level marketing scheme.

You review your credit card statement and notice several transactions you did not make.After reporting the fraud to your credit card company, what is the MOST critical next step to protect yourself from further identity theft?

You review your credit card statement and notice several transactions you did not make.
After reporting the fraud to your credit card company, what is the MOST critical next step to protect yourself from further identity theft?