DID YOU KNOW?
Federal law allows you to get a FREE copy of your credit report, at your request, every 12 months from each credit reporting company.
www.AnnualCreditReport.com or 877.322.8228
Spear-phishers appear to be someone you know or trust.
Unlike regular phishing attacks, spear-phishing are personalized to their victims. Because of the personal level of these emails, it is more difficult to identify spear-phishing attacks. With all of this information, the attacker would be ale to act as a friend or a familiar entity and send a convincing but fraudulent message to increase their chance of fooling recipients into giving up information or clicking on a link.
- Don't post it on social media if there is anything that you do not want a potential scammer to see
- Don't click on the links. If an organization such as your financial institution, sends you a link, launch your browser and go directly to that site instead of clicking on the link itself. You can also check the destination of a link by hovering your mouse over it. If the URL does not match the link's anchor text or the email's stated destination, there is a good chance that it could be malicious.
- Don't use the same password for more than one account & change them frequently.
- Frequently update your software. Enable automatic software updates when possible, including your operating system.
- Use logic. If you get an email from a "friend" asking for personal information including your password, carefully check to see if their email address is one that you have seen them use in the past. Real businesses will never send you an email asking for your username or password.
Actions to Take If You Become A Victim of Identity Theft
- Place a "FRAUD ALERT" on your credit reports, and view the reports carefully. The alert tells creditors to follow certain procedures before they open a new account in your name or make changes to your existing accounts. The three nationwide consumer reporting companies have toll-free numbers for placing an initial 90-day fraud alert. A call to one company is sufficient:
Experian: 1.888.EXPERIAN (397.3742)
- Close Accounts. Close any accounts that have been tampered with or established fraudulently.
- Call the security or fraud departments of each company where an account was opened or changes were made without your okay. Follow up in writing with copies of supporting documents.
- Use the ID Theft Affidavit at ftc.gov/idtheft to support your written statement.
- Ask for verification that the disputed account has been closed and the fraudulent debts discharged.
- Keep copies of documents and records of your conversations about the theft.
- File a Police Report. File a report with law enforcement officials to help you with creditors who may want proof of the crime.
By phone: 1.877.ID.THEFT (438.4338) or TTY, 1.866.653.4261
By mail: Identity Theft Clearinghouse, Federal Trade Commission,
Washington, DC 20589