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Question 1 of 5

1. Question
IDENTITY THEFT PROTECTION

Why might a consumer receive information about remedying the effects of identity theft?
- A) Because the consumer failed to pay a credit card account
- B) Because the consumer notified a consumer reporting agency that they believe they are a victim of identity theft
- C) Because the lender automatically reports all denied applications as fraud
- D) Because a bankruptcy filing automatically triggers identity theft protections
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Question 2 of 5

2. Question
IDENTITY THEFT PROTECTION

How may a consumer place a fraud alert in his or her file with nationwide consumer reporting agencies?
- A) The consumer must contact all three reporting agencies separately
- B) Fraud alerts may only be requested through a court order
- C) The consumer may call one nationwide consumer reporting agency, which must notify the other two
- D) Fraud alerts may only be requested after a criminal conviction for identity theft
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Question 3 of 5

3. Question
IDENTITY THEFT PROTECTION

How long does an initial fraud alert generally remain in a consumer’s file?
- A) At least one year
- B) Thirty days
- C) Five years
- D) Ten years
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Question 4 of 5

4. Question
IDENTITY THEFT PROTECTION

What additional documentation must a consumer generally provide to request an extended fraud alert?
- A) A notarized letter from the lender
- B) Proof of current employment
- C) A copy of the consumer's most recent tax return
- D) An identity theft report, including a report filed with law enforcement
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Question 5 of 5

5. Question
IDENTITY THEFT PROTECTION

Under the Fair Credit Reporting Act, when does a consumer have the right to receive a free copy of information in his or her file because of suspected fraud or identity theft?
- A) Only after filing a lawsuit against the reporting agency
- B) Once each year if the consumer believes inaccurate information exists due to fraud or identity theft
- C) Only after a lender denies credit
- D) Only if requested by a law enforcement agency
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