Financial Counseling Certification Practice Exam 2026 – Complete Prep Guide

The assumption that members should avoid is that identity theft will not happen to them again. This belief can lead to complacency and a false sense of security. After experiencing identity theft, it is crucial for individuals to understand that their personal information may still be vulnerable. Fraudsters continuously evolve their tactics, and the risk of becoming a victim again can remain high if appropriate precautions are not taken.

By failing to recognize the ongoing risk, individuals may neglect the necessary steps to secure their personal information, such as regularly monitoring their financial accounts, enhancing their personal security measures, and being vigilant about sharing their information. Educating oneself about identity theft and staying proactive can significantly reduce the chances of future incidents, making this assumption particularly dangerous.