Personal Cyber Assessment

I. Financial & Credit Exposure

Definition: "Online access" means you can log in to your financial institution’s website or app to view and manage your accounts.

Risk Understood: Having online access increases your exposure if security isn’t robust.

Guiding Questions: Do you use secure networks? Have you noticed any unauthorized transactions?


A. Yes, I have online access to all my financial accounts.
B. I have online access to some of my financial accounts.
C. No, I do not have online access.

Definition: "Review" means checking your transaction history or statements for unusual activity.

Risk Understood: Infrequent reviews can delay detection of fraudulent activity.

Guiding Questions: How regularly do you check your accounts? Do you set up alerts?


A. Regularly (e.g., weekly or monthly).
B. Occasionally.
C. Rarely.
D. Never.

Definition: A credit report is a summary of your credit history.

Risk Understood: Not monitoring your credit report can cause you to miss signs of identity theft.

Guiding Questions: Do you know how to access your report? How often do you check it?


A. Yes, I regularly check my credit reports.
B. I have access, but I check them infrequently.
C. No, I do not check my credit reports.

Definition: "Anomalies" are unusual entries that may indicate errors or fraud.

Risk Understood: More frequent checks help catch unauthorized changes early.

Guiding Questions: Do you check your report more than once a month?


A. More often than monthly (weekly or daily).
B. Monthly.
C. Quarterly.
D. Annually.
E. Never.

II. Online Accounts & Sensitive Data Exposure

III. System & Device Usage

IV. Cyber Risk Perception & Monitoring

V. Business & Work-Related Account Access

VI. Personal Exposure & Digital Footprint

VII. Security Controls & Practices

VIII. Digital Inheritance & Next-of-Kin Access