Identity Theft

Identity theft doesn't threaten your safety, but the damage is measured in time - a serious takeover means months, sometimes more than a year, of shutting down accounts opened in your name, untangling tax or benefit fraud, and repairing your credit - a moderate Impact that earns its place through sheer duration, not physical danger.

Full account takeover - new accounts in your name, tax or benefit fraud - is far less common than a skimmed card number, but constant data breaches make everyone's identifiers available, so it's a real, recurring risk rather than a rare one.

This number is yours. It measures how hard Identity Theft would actually hit your household given what you already have in place. Rate it in Threat Planning — then all three multiply into your personal threat rating.