Answer honestly; "Not sure" counts as no. Your score and fix list update as you go, and nothing you answer leaves this page.
Your score
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Your fix list, most protective first
How the Checkup Scores You
The ten questions cover the defenses that stop the most common scams and identity theft: a credit freeze, two-step login, calling back on a number you look up, the payment-method rule, account alerts, unique passwords, a family code word, not clicking links in messages, a trusted contact and knowing what to do first. Each carries a weight by how much it protects you; together they add up to 100.
The fix list shows only what you answered no or not sure to, ordered by weight, with a link to the guide or tool that covers it. Most fixes take under ten minutes. A score of 85 or more is well defended, 60 to 84 mostly protected, 35 to 59 exposed and below 35 high risk.
Why These Ten
Americans reported $20.9 billion in internet crime and scam losses to the FBI in 2025, and people 60 and older lost $7.7 billion of it. Almost every scam needs one of three things: new credit in your name, access to your existing accounts, or a payment you send yourself. A freeze blocks the first, two-step login and alerts guard the second, and the call-back rule, the payment rule and the code word stop the third.
What the Checkup Leaves Out
It is a quick self-assessment, not a security audit. It doesn't check your devices, the security of your bank or the data already exposed in breaches, and a perfect score doesn't make anyone scam-proof. If something has already happened, go straight to the First 24 Hours plan.
Frequently Asked Questions
What is the most important protection against scams?
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A credit freeze and two-step login on your email and bank carry the most weight in this checkup, because they block the two things scammers most want: new accounts in your name and control of your existing ones. Close behind is the habit of hanging up and calling back on a number you look up yourself.
How is the score calculated?
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Each of the 10 questions carries a weight, from 15 points for a credit freeze or two-step login down to 6 for a trusted contact or knowing where to report; they add up to 100. "Not sure" counts as no. Your fix list is ordered by weight.
Is a credit freeze worth it?
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Yes, for most people. It is free at Equifax, Experian and TransUnion, blocks most new credit in your name and doesn't affect your score. You lift it, temporarily or for one lender, when you apply for credit.
What is a family code word?
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A word or phrase your family agrees on in person and never posts online. Anyone who calls in an emergency asking for money has to say it; if they can't, hang up and call the relative back.
Does this checkup store my answers?
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No. It runs entirely in your browser; nothing you answer is sent or saved.
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Derek reviews all content on DigitalWealthSource. Background in business marketing with hands-on experience in debt payoff, homebuying, tax strategy, and long-term investing. Our methodology →
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