CSCU Mitigating Identity Theft 2

Question 1

What is synthetic identity theft?

Accepted Answer

Creating a new fictitious identity by combining real and fabricated personal information

Answer

Stealing someone's identity using synthetic materials

Answer

Using artificial intelligence to impersonate someone online

Answer

Copying someone's physical appearance

Question 2

How does a credit freeze help protect against identity theft?

Accepted Answer

It restricts access to your credit report, preventing new accounts from being opened in your name

Answer

It prevents you from using your existing credit cards

Answer

It freezes all funds in your bank account

Answer

It stops all credit card transactions temporarily

Question 3

What is credential stuffing and how does it relate to identity theft?

Accepted Answer

Using stolen username/password combinations from one data breach to gain access to accounts on other services where users reused the same credentials

Answer

Physically stealing someone's ID cards

Answer

Creating fake credentials for a job application

Answer

Filling out online forms with random information

Question 4

Why should you regularly review your bank and credit card statements for identity theft prevention?

Accepted Answer

To detect unauthorized transactions that may indicate someone is using your financial accounts

Answer

To calculate your monthly spending budget

Answer

To verify your credit score has not changed

Answer

To check if interest rates have increased

Question 5

What is the purpose of a fraud alert on your credit report?

Accepted Answer

It notifies creditors to take extra steps to verify your identity before approving new credit applications

Answer

It automatically rejects all credit applications

Answer

It sends you a daily credit score update

Answer

It locks your bank account from all transactions

Question 6

How can data broker websites contribute to identity theft risks?

Accepted Answer

They aggregate and sell personal information that criminals can use to build profiles for identity theft

Answer

They slow down internet connection speeds

Answer

They only contain publicly available business information

Answer

They encrypt all personal data they collect