ResourcesFinancial Literacy Become an educated consumer by taking the mystery out of commonly used financial terms. Get a free copy of your credit report every 12 months from each credit reporting company. Identity Theft How to take a few basic steps to avoid becoming a victim of identity theft and pretext calling. Fraud Make it harder for thieves to open accounts in your name—place a fraud alert. Learn about the various frauds and scams to watch out for. Learn about how to protect the seniors from scams.