Financial Wellness & Literacy Risk Meter

Answer a few quick questions. We’ll show your overall score, category breakdown, and tailored tips to improve.

Do you use account/transaction alerts for checking, savings, debit, and credit accounts?
Banking Basics
If you get a text/call claiming to be your bank, do you independently verify using the number on your card/app before acting?
Banking Basics
Would you ever pay with gift cards, wire, cryptocurrency, or P2P to resolve an urgent problem or claim a prize?
Cards & Payments
Card & ATM safeguards you use (select all)
Selections add up; capped at 100%.
Cards & Payments
Credit safety: do you know when to place a fraud alert or a credit freeze with the credit bureaus?
Credit, Scores & Debt
Debt help offers: can you spot fake credit repair or “lower your interest rate” robocalls?
Credit, Scores & Debt
Before taking a loan (personal, payday, SBA, student), do you verify the lender and avoid any upfront fees?
Loans & Financing
“Too good to be true” money pitches (work-from-home, flipping money, guaranteed returns):
Budgeting & Spending
Online marketplace habits (select all)
Selections add up; capped at 100%.
Online Shopping & Marketplaces
Charity & crowdfunding: do you vet the organization/organizer and watch for emotional pressure & fake pages?
Charity & Crowdfunding
Identity & benefits protections (select all)
More = better; capped at 100%.
Identity, Benefits & Insurance
Insurance literacy: can you spot fake/discount insurance pitches before paying?
Identity, Benefits & Insurance
Housing/mortgage: do you verify agents, avoid upfront ‘processing’ fees, and watch for rental & title scams?
Real Estate & Mortgages
Travel money safety (select all)
Selections add up; capped at 100%.
Travel & In-Person Safety
P2P payments: do you double-check recipient details and avoid sending to strangers for goods/services?
Cards & Payments
If money is at risk, do you know first steps (bank/app, card lock, dispute, FTC/police) and what to document?
Recovery & Alerts
Student loans/relief: do you avoid unofficial ‘forgiveness’ offers and use official servicer/government sites?
Credit, Scores & Debt
Business/side-gig offers: do you vet ‘opportunities’ and avoid becoming a money mule (moving funds for others)?
Loans & Financing

Results

Overall Score: /100

Provided by: Efraud Prevention