Phishing – Don't get Hooked!

Phishing - Don't get Hooked!

The most common form of phishing is by email. It pretends to be from a legitimate retailer, bank, or government agency, the sender asks you to "confirm" or volunteer your personal information for some made-up reason: your account is about to be closed, an order for something has been placed in your name, or your information has been lost because of a computer problem. BEWARE - Another tactic that phishers use is to say they're from the fraud departments of well-known companies and ask to verify your information because they suspect you may be a victim of identity theft! In one case, a phisher claimed to be from a state lottery commission and requested people's banking information to deposit their "winnings" in their accounts.
Some Phishers will threaten to close your Accounts. Beware, these are never true, do not panic, read the entire email and think it through.
Don't click on the link in an email that asks for your personal information. It will take you to a phony Web site that looks just like the Web site of the real company or agency. Following the instructions, you enter your personal information on the Web site - and into the hands of identity thieves. To check whether the message is really from the company or agency, call it directly or go to its Web site. If you don't have the telephone number, get it from the phone book, the Internet, or directory assistance. Use a search engine to find the official Web site.
Phishing can also happen by phone. You may get a call from someone pretending to be from a company or government agency, making the same kinds of false claims and asking for your personal information.
If someone contacts you and says you've been a victim of fraud, verify the person's identity before you provide any personal information. Legitimate credit card issuers and other companies may contact you if there is an unusual pattern indicating that someone else might be using one of your accounts. However they usually only ask if you made particular transactions; they don't request your account number or other personal information. If you suspect foul play, ask them for two telephone numbers to call back to verify their information. Law enforcement agencies might also contact you if you've been the victim of fraud. To be on the safe side, ask for the person's name, the name of the agency or company, the telephone number, and the address. Then get the main number (see tip above) and call to find out if the person is legitimate.
Job seekers should also be careful. Some phishers target people who list themselves on job search sites. They pretend to be potential employers, and ask for your social security number and other personal information. Follow the advice above and verify the person's identity before providing any personal information.
Be suspicious if someone contacts you unexpectedly and asks for your personal information. It's hard to tell whether something is legitimate by looking at an email or a Web site, or talking to someone on the phone. But if you're contacted out of the blue and asked for your personal information, it's a warning sign that something is "phishy." Legitimate companies and agencies don't operate that way.
Act immediately if you've been hooked by a phisher. If you provided account numbers, PINs, or passwords to a phisher, notify the companies with whom you have the accounts right away. For information about how to put a "fraud alert" on your files at the credit reporting bureaus and other advice for ID theft victims, contact the Federal Trade Commission's ID Theft Clearinghouse, www.consumer.gov/idtheft or toll-free, 877-438-4338. The TDD number is 202-326-2502.
Even if you didn't get hooked, report phishing. Tell the company or agency that the phisher was impersonating. You can also report the problem to law enforcement agencies through the National Fraud Information Center/Internet Fraud Watch, www.fraud.org or 800-876-7060, TDD 202-835-0778. The information you provide help s to stop identity theft.

In Summary:

Never give out any sensitive or personal information over the phone or via e-mail.
Never Panic, always read everything thoroughly and then decide the best course of action.