Module 12 Lesson 2 Mastery Assignment

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Module 12 Lesson 2 Mastery Assignment

What is Identity Theft?Identity theft occurs when someone wrongfully acquires and uses a consumer's personal identification, credit, or account information.

Top tips to help protect against identity theft1. Beware of shoulder surfers. Protect credit cards, driver's licenses and checks from wandering eyes. 2. Beware of skimmers.Skimming occurs when a clerk slides your credit card through a second machine to download its information onto a counterfeit card. Remember to keep your eyes on your cards at all times. 3. Be aware of your surroundings.Pay extra attention in crowded malls, as pickpocketing numbers noticeably increase during the holidays. 4.Minimize purse/wallet contentsCarry only the cards you know you will use. 5. Secure your cards.6. Use your online shopping smarts.Keep printouts of information detailing your Web purchases. Use a credit card instead of a debit card if possible, and make sure the company's Website is on a secure server. 7. Visit trusted sites.hopping at trusted Websites or those recommended via secure comparison shopping sites8. Be careful with personal items when shopping. Don't leave your laptop, purse, or any item with credit cards, checks, driver's license or Social Security numbers visible in your car.

Ways that YOU can protect YOURSELF against identity theft.

SHOULDN'T1. Social secuirty cardIf your wallet is stolen, and they get ahold of your social security card, the thiefs can use your SSC to open credit card accounts and apply for loans. 2. Birth CertificateA birth certificate can get you a replacement Social Security card, a passport, a driver's license, and many other forms of identification.3. Account PasswordsA password cheat sheet is one way to remember your PIN numbers and the login information for your many accounts. But if you keep this information in your wallet – along with your credit cards or debit cards – thieves can easily access your accounts and take money from your checking or savings accounts.4. Spare Keys5. Blank Checks SHOULD1. Extra cashKeep a small amount of cash in your wallet in case of emergiences.2. Contact informationIn case you wallet is stolen, it's always good to keep a contact information, is the person is so nice they will return it. 3. Driver's license (ID)4. A credit card you, know you will use everyday.

A credit report is a report detailing a person's financial history specifically related to their ability to repay borrowed money.How YOU can raise YOUR credit score or keep a high credit score.1. Pay your bills on time2. Have credit cards - but manage them responsibly. 3. Keep balances low on credit cards. 4. Don't open a number of new credit cards that you don't need.5. Closing an account doesn't make it go away

Credit reports

Module 12 Lesson 2 Mastery Assignment

What you SHOULD and SHOULD NOT carry in your wallet:

Where to keep credit card and ATM receipts

Keep track of credit card, debit card and ATM receipts. Never throw them in a public trash container. Tear them up or shred them at home when you no longer need them.


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