1. Is your credit frozen at all three bureaus?

Yes No / Not sure

Credit freeze is free, takes 10 minutes, and is the single highest-impact ID theft defense.

2. Do you check your credit report from each bureau at least yearly?

Yes No / Not sure

annualcreditreport.com is free and official.

3. Is MFA enabled on your primary email?

Yes No / Not sure

Email is the reset path to almost everything.

4. Is MFA enabled on your bank account?

Yes No / Not sure

Even SMS MFA beats none.

5. Do you shred mail with account numbers or SSN?

Yes No / Not sure

Dumpster-diving still happens for valuable targets.

6. Do you avoid giving your SSN over phone unless YOU initiated the call?

Yes No / Not sure

Inbound callers asking for SSN = assume scam.

7. Have you opted out of prescreened credit offers?

Yes No / Not sure

optoutprescreen.com — stops physical mail offers that can be intercepted.

8. Are IRS and SSA accounts created (so a thief can't create them first)?

Yes No / Not sure

Create accounts at ssa.gov and irs.gov now — blocks thieves from opening them in your name.

9. Do you use different passwords for bank vs email vs everything else?

Yes No / Not sure

One leak shouldn't cascade. Password manager + unique passwords.

10. Is your trash can / mailbox in a secure location?

Yes No / Not sure

If your mailbox is on the street, consider a PO box for sensitive mail.

11. Have you removed your info from data brokers (DeleteMe, manual opt-out)?

Yes No / Not sure

Data brokers aggregate public records, making identity theft easier.

12. Do you review bank + credit-card statements weekly?

Yes No / Not sure

Early detection = easier dispute. Automate alerts for transactions above $1.

13. Is your SSN stored somewhere secure (not in a cloud doc / unencrypted email)?

Identity Theft Risk Score