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Test How Safe You Are From Identity Theft

Take this quick test to see if you are in danger of ID theft

Aug. 18, 2005 - Thieves don't need high-tech access to computer data to steal identities because too many people make their personal information readily available, says a Purdue University cybercrime expert, who uses a simple test to measure identity theft risk for people.

Scott L. Ksander has been taking that message to standing-room-only public forums. The senior inforensics analyst with the Center for Education and Research in Information Assurance and Security has been working with law enforcement officials for several years to unravel and thwart identity theft crimes. Ksander encourages members of the public to examine ways in which they help or hinder thieves.

Ksander says the biggest key to securing your Social Security number and thus your identification is using common sense.

"You need to be aware and diligent," he says.

Ksander, who investigates security issues for Information Technology at Purdue, uses, with permission of the Privacy Rights Clearinghouse, the following quiz to help people assess the risk of their identities being stolen.

Take the test below. Each one of these questions represents a possible avenue for an identity thief.

Understanding Your Score:

 100 + points - Recent surveys* indicate that 7-10 million people were victims of ID theft last year. You are at high risk. We recommend you purchase a paper shredder, become more security-aware in document handling, and start to question why people need your personal data.

  > 50-100 points - Your odds of being victimized are about average. Higher if you have good credit.

  > 0-50 points - Congratulations. You have a high "IQ." Keep up the good work and don't let your guard down now.

Enter your score on each question and the form should automatically total your score.

1.    I receive several offers of pre-approved credit every week (5 points). Add 5 more points if you do not shred them.

2.   I carry my Social Security card in my wallet (10 points).

3.   My driver's license has my Social Security number on it (10 points).

4.   I do not have a post office box or locked, secured mailbox (5 points).

5.   I use an unlocked, open box at work or at home to drop off my outgoing mail (10 points).

6.   I carry my military ID in my wallet at all times (10 points).

7.   I provide my Social Security number whenever asked, without asking questions about how that information will be safeguarded (10 points). Add 5 more points if you provide your number orally without checking to see who might be listening.

8.   I am required to use my Social Security number at work as an employee ID or at school as a student ID number (5 points).

9.   My Social Security number is printed on various documents frequently seen in the workplace, such as on time cards (10 points).

10.  I have my Social Security number and/or driver's license number printed on my personal checks (10 points).

11.  I am listed in a "Who's Who" guide (5 points).

12.  I have my Social Security number and/or driver's license number printed on my personal checks (10 points).

13.  I carry my insurance card in my wallet, and either my Social Security number or that of my spouse is on that card (10 points).

14.   I have not ordered a copy of my credit report for at least two years (20 points).

15.  I do not protect my discarded personal, credit and financial information from thieves by shredding them prior to putting them in the trash (10 points).

=   Total Score: 100+ = High Risk, 50-100 = Average, 0-5 = Very good

* For information on recent identity theft survey findings, visit the Privacy Rights Clearinghouse web site at www.privacyrights.org/ar/idtheftsurveys.htm.

For a list of tips on reducing your risk of identity theft, read Fact Sheet 17, "Coping with Identity Theft: Reducing the Risk of Fraud," at www.privacyrights.org/fs/fs17-it.htm.

Remember, you cannot prevent identity theft. Criminals can commit identity theft relatively easily because of lax credit industry practices and the ease of obtaining SSNs. But you can reduce your risk of fraud by following the tips in Fact Sheet 17. The most important advice we can give you is to check your credit report at least once a year. If you are a victim of identity theft, you will catch it early by checking your credit report regularly.

Source:

Scott Ksander, (765) 496-8289, ksander@purdue.edu

Information Technology at Purdue: http://www.itap.purdue.edu

Center for Education and Research in Information Assurance and Security: http://www.cerias.purdue.edu

Privacy Rights Clearinghouse: http://www.privacyrights.org/

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