Online Identity Theft Means More Than Lost Money

Online Identity Theft Means More Than Lost Money



Now that internet shopping is​ a​ very common pass time,​ there has been a​ rapid increase in​ instances of​ online identity theft. Thieves are moving off the​ high street and,​ with a​ little knowledge of​ web programming,​ have broadened their horizons to​ include a​ much larger amount of​ targets.

One of​ the​ most common,​ and thankfully easily avoided forms of​ online identity theft is​ a​ technique known to​ the​ industry as​ 'phishing'. a​ phishing attack involves sending out huge numbers of​ emails which pretend to​ be from a​ popular online retailer,​ an​ auction site such as​ eBay,​ or​ a​ bank or​ online wallet site. the​ email will usually say that the​ customers account has been suspended,​ or​ that they need to​ update their details. When the​ user clicks a​ link in​ the​ email they will be taken to​ a​ fake page that looks just like the​ login page of​ that company. When the​ user logs in,​ they will be giving away their personal details to​ the​ identity thief.

Some of​ the​ emails give themselves away instantly through spelling mistakes and poor grammar,​ others are very convincing on​ first glance,​ and it​ is​ easy to​ understand how these attacks manage to​ fool a​ huge number of​ people.

Do Not Trust Emails Asking For Personal Information

When you click a​ link in​ a​ 'phishing' email,​ the​ page you are taken to​ will ask you to​ enter account information,​ password and other personal information such as​ a​ credit card number,​ checking account information and social security number along with other items. Entering this information and submitting it​ will give the​ person committing online identity theft all the​ resources needed to​ access your accounts,​ or​ open new ones in​ your name or​ even change your mailing address.

Most online companies tell their customers that to​ prevent online identity theft always log on​ to​ their website by typing the​ address in​ yourself,​ not by clicking a​ link in​ the​ email to​ see if​ the​ requested information is​ really needed. Chances are it​ isn’t,​ and you should then forward them the​ email so appropriate action can be taken.

Failure to​ take even the​ simplest of​ precautions can open the​ door for online identity theft which will attempt to​ cheat you out of​ your money by establishing transfers from your checking or​ savings account put charges on​ your credit card or​ simply add a​ new address and have all merchandise of​ cash advances sent to​ the​ new address.

Most banks will work with victims of​ online identity theft to​ help them get their money back,​ however it​ can take a​ lot of​ time for them to​ trace transactions and verify the​ things you tell them. Make sure you check your credit report and your bank statements frequently,​ and query any unusual transactions with your bank. if​ you suspect that something is​ wrong,​ act immediately,​ and contact the​ Federal Trade Commission to​ make the​ first steps in​ regaining your financial identity.




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