Identity Theft And Fraud Issues – Am I At Risk Of Having My Identity Stolen Or Being A Victim Of Fraud?
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2026 · AM I AT RISK OF HAVING MY IDENTITY STOLEN
OR BEING A VICTIM OF FRAUD?
Do you use the same password to log into multiple websites?
If so, consider making unique passwords for each website you log
into or use a password manager.
Do you need to review if you are using two-factor
authentication to log into websites?
Do you use common phrases, words, or personal information
in your passwords?
If so, consider making passwords that are
harder to guess.
Do you share your login credentials with other people?
Do you need to update your browser, anti-virus software or
operating system?
If so, cybercriminals may be able to access
your computer.
Do you receive unsolicited emails asking you to click on links
or download attachments?
If so, you may be subject to phishing
scams, where you are lured into clicking links or opening
attachments. Instead of clicking any links, navigate to the page on
your own to avoid being redirected to a compromised site. Do not
open any attachments.
Are images in emails set to download to your computer
automatically?
If so, consider turning this feature off as
cybercriminals can use code embedded in images to gain access to
your computer.
Do you share lots of your personal information on social media
sites?
If so, consider making your social media accounts private
where possible. This makes it more difficult for anyone you do not
know to see what you have posted. Some cybercriminals will look
on these sites for key information (place of birth or mother’s
maiden name) that can aid them in resetting passwords associated
with your accounts.
Have you received odd requests or links from friends or
family?
If so, consider calling the sender to verify the email before
clicking anything in the email. The sender’s email account may have
been hacked and the email was not sent by the person you know.
(continue on next column)
CYBER THREATS
YES
NO
Do you download apps to your phone?
If so, consider researching all apps and/or app developers before
you install them and give them permission to use your data.
Cybercriminals can build legitimate-looking apps that can steal your
data and monitor your phone’s actions.
If you have minor children, do you need to take steps to
protect them online?
If so, check privacy settings on their social media accounts and talk
with them about issues raised in this checklist.
If you are a business owner, do you need to create a
cybersecurity plan for your business?
If so, ensure that policies are in place for business operations (such
as a confirmation call before electronic transfers occur).
Has your data been stolen because of a third-party data
breach?
If so, consider the following:
Freeze your credit by contacting the three major credit bureaus.
Change your password to any sites that had the same credentials
as the compromised site.
CYBER THREATS (CONTINUED)
YES
NO
Have you received calls from someone claiming to be from a
government agency offering relief payments due to COVID-19?
If so, this could be a scam. Do not provide them with any
information.
Have you received calls asking for personal information?
If so, call the business or organization back using a number you
know to be accurate.
Have you recently met someone online, and they are asking for
money even though you have not met in person?
If so, they may
be trying to take advantage of you. This is known as a romance
scam. Do not provide them with money. (continue on next page)
COMMON SCAMS
YES
NO
© fpPathfinder.com. Licensed for the sole use of Robert Persichitte of Delagify Financial. All rights reserved. Used with permission. Updated 12/15/2025.
2026 · AM I AT RISK OF HAVING MY IDENTITY STOLEN
OR BEING A VICTIM OF FRAUD?
Do you want to add a further layer of security and privacy to
your online activity?
If so, consider setting up a virtual private
network (VPN) from a reliable provider.
Do you need extra support in monitoring your cybersecurity?
If so, consider Identity Theft Protection services that can monitor
your credit scores, new account openings, and suspicious activity
on your behalf.
Do you need to review your Identity Theft Insurance Policies?
If so, consider the following:
You may already have the coverage you need, as it may be
included in your homeowners or auto insurance.
Fraudulent expenses purchased on credit cards may be capped
to you at $50.
Be mindful of over-insuring yourself.
Have you been the victim of the above scams or other forms
of fraud?
If so, consider the following:
Immediately contact any affected financial institutions to report
the fraud and contain your exposure.
If you lost money in a scam or were a victim of identity theft, file
a report with your local police and the Federal Trade
Commission.
Notify credit bureaus and other relevant agencies.
Have you received a phone call from someone claiming to be
from the Social Security Administration?
If so, they may be
trying to convince you to provide them with your Social Security
Number or bank account information. This is known as a Social
Security scam. Do not provide them with any information.
Have you received a phone call, email, or text message from
someone claiming to be from the IRS?
If so, this may be a tax
scam. The IRS does not contact taxpayers by phone, email, or text
message to request or discuss personal or financial information.
Have you received a phone call from someone claiming to be
a Medicare representative?
If so, they may be trying to
convince you to provide them with your personal information
(including your Medicare number). This is known as a Medicare
scam. Do not provide them with any information.
Have you received a phone call from someone claiming to be
your grandchild and asking for money?
If so, this may be a
scam known as a grandparent scam. Contact family members
and do not wire funds or otherwise transfer money without
reliable confirmation that the caller is indeed your grandchild.
Have you unexpectedly won a sweepstakes, gift card, or
lottery?
If so, this may be a scam known as a sweepstakes scam.
The scam may involve you having to pay a fee in order to receive
the supposed winnings.
Have you received an email with a username and/or
password of yours in the subject line?
If so, the cybercriminal
may have credentials from a single compromised website but
claim to have access to all of your devices and accounts. This is
known as a spearfishing scam.
Have you received a phone call from someone claiming to
be from your bank or credit union about stolen money from
your account?
If so, this may be a scam trying to convince you
that you need to act fast to move money and/or assist them in
verifying your personal information.
COMMON SCAMS (CONTINUED)
YES
NO
OTHER ISSUES
YES
NO
© fpPathfinder.com. Licensed for the sole use of Robert Persichitte of Delagify Financial. All rights reserved. Used with permission. Updated 12/15/2025.
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