It is not your fault and it is easy to do, but getting you identity stolen via a fake email is a serious issue. Unfortunately, we live in a world where their people are evil and prey upon the good and unsuspecting. Most people may know by now but if you have not heard, you can get fake or spoofed emails from a spammer that leads to a fake financial institution or some other scheme in an attempt to steal your personal information or gain access to your bank account. To help prevent yourself from getting your identity stolen, I have compiled a simple list of rules to follow.
- Assume all from anyone you don’t know is bogus and fake
- Assume all email from any financial institution is fake
- Do not click any links in email
On another note, you should turn off the html preview in email so you don’t get a virus but that is a story for another day.
If you receive an email from you bank or financial institution, it could be real but there is a good chance it is fake. Usually, they will say your account is about to be canceled and to click a link to fix or update your information. The email will look just like it was from you bank and the link will take you to a site that looks just like you bank but it is not. when you log in, they phishing is done. You just gave your username and password to your bank and now they are free to drain your account. Some really bad and obvious links will ask you to update your information while asking for your name, address, drivers license number, birthday, and social. Sadly, do not trust anything of this nature from your email. If there is a problem with your bank, go directly to their web site by typing the web address in your browser. Obviously, if there is a problem, your financial institution will tell you.
If you think you are a victim of identity theft, here are some steps as they are found on the ftc.gov website.
- Try to document and make a record of as much as you can regarding the theft.
- Place a fraud alert on your credit report. Get the info below.
- Notify the companies who own the accounts that have been compromised. If your American Express info was stolen, call American Express immediately
- Close the accounts that have been compromised
- File a complain with the Federal Trade Commission. Use the online complaint form or call 877-ID-THEFT
- File a report with your local police department (in the place that the theft took place)
Equifax: 1-800-525-6285; www.equifax.com; P.O. Box 740241, 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
Again the steps and more details are from the ftc.gov web site found here

