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Protecting
1
Do you have an emergency fund that covers at least 3 months of your living expenses?
Yes
An emergency fund with at least 3 months of expenses can protect your household from unexpected expenses and drops in income.
 
Protecting
2
You can get a free credit report once every 12 months from each of the three credit reporting agencies (Equifax, Experian, and TransUnion).
Yes
Federal law allows you to obtain a free credit report from each of the three credit bureaus annually. AnnualCreditReport.com is the ONLY authorized source for the free annual credit reports that are yours by law.
 
Protecting
3
Do know where all of your financial records are?
Yes
Maintaining organized financial documents makes it easier to take care of other important tasks like budgeting and applying for loans. Making sure your records are secure can prevent identity theft.
 
Protecting
4
Victims of identity theft should immediately contact one of the three major credit reporting agencies to put a fraud alert on their credit report.
Yes
Contacting the three credit agencies (Equifax, Experian, and TransUnion) as soon as possible can minimize the damage of identity theft.
 
Protecting
5
Higher deductibles on insurance will lower your premium payment and out-of-pocket expenses, in the case of a loss or claim.
No
Higher deductibles on insurance will lower your premium payment but raise your out-of-pocket expenses in the case of a loss or claim.
 
Protecting
6
Do you check your credit report at least one time per year?
Yes
Experts recommend checking your credit report at least once a year to make sure there are no mistakes.
 
Protecting
7
At least one time per year do you review all of your insurance coverage to make sure you have the coverage you need (for example, life, health, auto, and renters/home insurance)?
Yes
Your insurance needs may change over time, so it is a good idea to review your coverage annually.