Phishing

Phishing


What is phishing?

Phishing occurs when a person is tricked into divulging private information through what is perceived to be a legitimate website or email request. The email request appears to come from legitimate institutions such as Citibank, EBay, PayPal, and Bank of America.

How Does Phishing Work?

Phishing occurs when a con artist sends an unsuspecting customer an email indicating that there is a problem with their account.  The phisher often provides a link within the body of the email that the customer can click on to “resolve” the fake problem. Once the user clicks on the link in the email, they are often re-directed to a website that is used to capture personal identifiable information such as credit card numbers, bank account numbers, and social security numbers.  In addition, after the unsuspecting customer has clicked on the link, the con artist may install key logging software on a customer’s system to capture sensitive information. The intent is often to steal the person’s identity and/or steal money out of the account given.

Dangers of phishing

  • Exposure to identity theft
  • Money removed from bank accounts
  • Online accounts used for illegal purchases

How to spot a phishing scheme

  • Banks, PayPal, eBay, etc. will never ask you for your password, or for personal information such as social security numbers
  • Never click a link from an e-mail to confirm information or log into an account. If you think the message may be legitimate, go directly to the website by typing the URL (universal resource locator) into your web browser’s address bar and log in.

link

  • Immediately delete e-mails that seem suspicious, especially if they are from a company that you don’t normally do business with.
  • Use the mouse-hover feature built into your web browser or email client to spot invalid links. If a link location points to a different place, do not click the link.

The following is a phishing email. Note the use of PayPal’s logo and color scheme in an effort to confuse recipients. Also note the bottom left corner of the image- although the target website for the link is similar to the PayPal site, it actually points to an entirely different page.

If you think you may have already fallen victim to a phishing scheme

  • Contact the legitimate institution to report the problem and close the account.
  • Monitor your accounts for unusual activity, and contact your banking institution immediately if you notice anything suspicious
  • Change all online passwords, using a different strong password for each account
  • Have a credit check done. Identity theft can ruin your credit history, making it difficult to qualify for credit cards, car loans and mortgages in the future. By monitoring your credit, you can ensure that your credit has not been damaged by a scam artist. You can get a credit check from several websites, and you are entitled to one free credit report per year under the Fair Credit Reporting Act. Make sure that any credit check you get contains data from all three major U.S. credit bureaus.

 

Credit Bureau

 Contact Information
 

 

Equifax

 

 

 1-800-525-6285
 www.equifax.com

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

P.O. Box 740241

Atlanta, GA 30374-0241

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 

Atlanta, GA 30374-0241

 


 

Experian

 

 

1-888-EXPERIAN (397-3742)
www.experian.com  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

P.O. Box 9532
Allen, TX 75013

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


 

Transunion

 

 

1-800-680-7289
www.transunion.com

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Fraud Victim Assistance Division


P.O. Box 6790
Fullerton, CA 92834-6790

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

Fraud Victim Assistance Division

 

If you have been the victim of Identity Theft:

Contact The Federal Trade Commission at 1-877-IDTHEFT (877-438-4338) where consumers who have been victims of identity theft can report the crime and get advice from telephone counselors trained to provide assistance to ID theft victims.