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

The U.S. Federal Trade Commission (FTC) recommends that after discovering identity theft, your first step should be to contact one of the three major credit bureaus (Equifax, Experian, or TransUnion) to place a fraud alert. Once you alert one bureau, they are required by law to inform the other two. This makes it harder for an identity thief to open new accounts in your name as creditors must take extra steps to verify your identity.

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

A security freeze is one of the most effective tools against identity theft. It locks down your credit report, and most creditors will not approve a new account without first viewing your credit history. This action directly prevents thieves from opening new lines of credit, even if they have your Social Security Number and other personal information.

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

The Fair and Accurate Credit Transactions Act (FACTA) of 2003 was passed to enhance consumer protections against identity theft. A key provision of this act mandates that the major credit reporting agencies provide consumers with a free copy of their own credit report upon request, once every 12 months, through a centralized source.

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

Many online services use personal questions like these to verify a user's identity or to allow them to reset a forgotten password. By sharing the answers publicly, even in what seems like a harmless quiz, users are providing identity thieves with the exact information needed to impersonate them and gain unauthorized access to their accounts.

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

A cross-cut or micro-cut shredder cuts paper into tiny, confetti-like pieces that are extremely difficult to reconstruct. Tearing documents by hand or using a simple strip-cut shredder can leave them vulnerable to being reassembled. While other methods offer some protection, cross-cut shredding is the industry-recommended standard for secure document destruction.

CSCU - Certified Secure Computer User Practice Test

CSCU - Certified Secure Computer User Practice Test

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