Prevent Being Scammed

Scammers use many different methods to scam us daily. Since we all use the internet more and more throughout our lives, our personal information is easier to access than ever before. Scammers have shifted their street corner scams to digital. These days, emails and texts are the modes they use to trick us. What they are searching for are our social security numbers, account numbers, and passwords. If they do, by chance, gain access to these, they can gain access to our email, bank records, and other sensitive accounts.

The FBI’s Internet Crime Complaint Center states that “people lost $30 million to phishing schemes in one year.” Here are a few tips that may help you defend yourself against scammers who are phishing for your info. I hope you enjoy Cathy’s Tuesday Tip! ~Cathy

Credible Site

When making an online transaction make sure it is who it says it is. This is espe-cially important if you are unfamiliar with the site. Be sure to check reviews of the company online or with the Better Business Bureau to insure credibility. Calling the contact phone number is another way to verify the business.

Payment Safety

There are many secure ways to pay these day; credit cards and Paypal are the mostpopular. These options offer the highest levels of security. If some form of fraud has been detected the charges can be disputed. The Federal law does limit you liability to $50 if it is proven that someone has made unauthorized charges to the card. Re-port the problems as soon as they are discovered. Most times the credit card com-pany or Paypal will refund the money.

Secure Personal Info

Many scammers will phish by impersonating companies that you do business with. They will ask either via a phone call or email asking to update personal information. Beware of those claiming work for the government or a business that already has your information. Don’t ever provide the caller with credit card numbers or social security numbers. The only reason socials should be required is when applying for a credit card.

Online Security

When purchasing online be sure to verify that it is a secure site. Sites that are se-cure and are safe to input sensitive information will have “https” or “shttp” in the address bar. Some sites may state that they are encrypted so those who may possi-bly intercept the information will be unable to access the enclosed information. Though these securities are pretty strong, the are not 100% safe. Never put sensi-tive information in email form, they are not secure.

Unsolicited Emails

Try not to respond to emails that are not familiar. Just delete them. Most scammers are looking for working emails and will continue sending emails.

Too Good to Be True Scams

Don’t fall for those claiming to make you rich with little work or risk. If bad credit is an issue, don’t fall for the ruse that it can be turned around risk free. These are probably scams.

Pre-Approved Offers

Identity thieves love the pre-approved offers for credit.They may steal your informa-tion and apply for credit in your name. Call 888-568-8688 to have your name re-moved from these lists… your social security number is required for identity verif-cation.

How many phone calls do you receive like this weekly? They ask you to purchase a warranty for an older car, or they are informing you there is not a problem with your credit card, but they have a new deal just for you?

Be scammer savvy! Be sure to keep an eye on your credit score through services such as Equifax or Experian. Use the tactics in this article to reduce your risks of being scammed. Pass them on to less tech-savvy friends and family. Don’t fall victim again to scammers who are calling to phish for your personal information.

I hope you enjoyed Cathy’s Tuesday Tip this week. To view more of Cathy’s Tuesday Tips, visit our blog.

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