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The Risk Of Electronic Fraud & Identity Theft
Electronic Fraud and Identity Theft It's The Little Things We Tend To Overlook Making Assumptions vs. Staying Vigilant The purpose of this article is to share with you my thoughts and position on some of the basic things you can do to protect yourself from several types of threats. Particularly those that involve electronic fraud and Internet fraud. Although some of these items are not directly related to the Internet, the moment someone has your private or financial information (identity theft), the Internet will be one of the first places they visit. (Protect Yourself Against Electronic Fraud) Automated Teller Machines (ATM) & Skimmers Links Did you know the cost to a bank or ATM vendor is minimal if their machine is compromised, but to you it may be severe? The company that owns the ATM only has to worry about the cost to replace the machine, plus the amount of money inside. You, on the other hand, stand to loose not only your bank account funds, but possibly your identity. Phishing and Web Site Redirection If you receive an e-mail from your bank, credit card company, or other online merchant like, Ebay.com or Amazon.com, requesting information such as passwords and financial info, delete it and report it immediately. Many of these e-mails link you to web sites that look exactly like that of the real company but are in fact fakes. Take a look at Ebay's Online Security and Protection section to get an idea of what you need to do in order to identify scams like these. Links If you receive an e-mail from someone promising you millions of dollars if you assist them with their finances, delete it immediately!. Some of these scams have been running for years and new ones surface frequently. I recently saw one supposedly from the wife of the late Yasser Arafat, promising millions of dollars if someone would help her establish a trust fund in the US. The reasons these types of e-mail scams are so wide spread is because they are highly effective and relatively easy to do. Thousands of people get ripped off by these scams every day. To see examples of several recent scams, take a look at the following Phishing Scams page. Links Another good source of information on these types of scams can be found at the State of NY Banking Department. Links Credit Card Fraud When paying for something, particularly at a restaurant, check to see if the full or partial credit card number is on the merchant receipt. In most cases, only the partial number is visible. However, when the full number is there, I cross out all but the last four digits with a pen. The merchant has already scanned the card at this point, they should not need a paper backup of the number. If your credit card is stolen, lost, or used fraudulently, you can call your card company and speak with the fraud department. However, I recommend you contact your card company's credit line department first. This is the department that can extend your credit almost instantaneously. They can also decrease it within seconds as well. If you have a limit of $5,000, they can reduce it to $100 immediately, then pass you to the fraud department. Call your card company and request the direct number to this department and make a record of it. If you notice someone swiping your card more than once when paying for an item, ask them why. Regardless of how sensible the answer is, call your card company and request a list of the last few transactions, you might be surprised what you find. If your card company sends you checks to use for cash advancements and you don't plan on using them, don't keep them around, shred them immediately. We get these all the time in the mail. As far as shredders go, everyone should have one. You can pick up a small one for under $30 and it is well worth the investment. Any statements or correspondence you have regarding your credit cards should be in a secure place or shredded. Credit Reporting & Monitoring Links If you find something strange on your credit report, contact the credit reporting agency immediately. In addition to calling them (if possible), send them a certified letter describing what you have found. It's very important to document any and all correspondence on these matters. Conclusion One of the best ways to protect yourself from electronic fraud and identity theft is to ask questions. Primarily, ask yourself whether or not the particular situation you are faced with makes sense? Why would your bank request information from you via e-mail? Why would someone in another country be willing to give you millions of dollars to assist them with their banking woes? There is a certain percentage of our population who has absolutely no morality when it comes to the acquisition of wealth. These people know the risk of getting caught is minimal. In many cases, even if they do get caught, they are willing to deal with the consequences given the potential monetary payoff. Stay vigilant and educate yourself on these matters. It really is the best way to protect yourself against the myriad of threats and risks we are presented with everyday. About The Author If someone you know has sent youthis article, please take a moment to visit our site andregister for the free newsletter at http://www.defendingthenet.com/subscribe.htm
MORE RESOURCES: Opinion | Banning TikTok Won’t Solve Your Data-Security Problem The Wall Street Journal He’s a Security Guard at the Met. Now His Work Is Showing There. The New York Times Why does Trump want Greenland and the Panama Canal so badly? One reason may surprise you - USA TODAY Japan links Chinese hacker MirrorFace to dozens of cyberattacks targeting security and tech data ABC News Remarks at a UN Security Council Briefing on Nonproliferation and the Democratic People’s Republic of Korea United States Mission to the United Nations Sweet Security Partners with Illustria to Offer Proactive Open-Source Supply Chain Risk Management GlobeNewswire Krebs on Security – In-depth security news and investigation Krebs on Security One week later: New Orleans debates security, memorial grows, more chemicals found FOX 8 Local First New in 2025: Counties Should Prepare Now for the Upcoming HIPAA Security Rule Update National Association of Counties Special ops forces seek to manage digital footprints, achieve ‘security through obscurity’ DefenseScoop Pope to celebrate Jubilees for Communications, security forces Vatican News - English White House program to certify the security of IoT devices goes live Cybersecurity Dive U.S. citizen denied entry into Poland after security staff object to handwritten notes in passport ABC News Remarks at a UN Security Council Briefing on the Political and Humanitarian Situations in Syria United States Mission to the United Nations Stowaways on planes and inside landing gear raise worries about aviation security The Associated Press Brillion Achieves SOC 2 Type 2 Compliance, Reinforcing Commitment to Data Security and Privacy Business Wire Opinion | Biden’s ‘security’ concern about TikTok and U.S. Steel is doubly specious The Washington Post New Orleans Homeland Security criticized during terror attack probe WDSU New Orleans Border security is national security Foundation for Defense of Democracies The Rio Treaty's Security Pact and Unintended Consequences of Threatening Canada, Greenland, and Panama Just Security Tidal Cyber Acquires Zero-Shot Security to Enhance Threat Intelligence Mapping Capabilities Business Wire Swimlane Hero helps solve complex security operations problems Help Net Security Security guard catches DJ molesting 12-year-old boy at California mall, officials say Sacramento Bee UN aviation agency confirms recruitment database security breach BleepingComputer Who is Acronis’ New Chief Information Security Officer? Cyber Magazine AITX's RAD-R Welcomes Steve Danelon as President, Strengthening Leadership for Residential Security Solutions GlobeNewswire Fort Smith Public Schools to integrate AI gun detection software in security cameras Northwest Arkansas Democrat-Gazette Orange Bowl pep rally security includes surveillance cams, law enforcement on the ground - CBS Miami Security Industry Association Welcomes New Perimeter Security Subcommittee Leaders Security Sales & Integration Update on former Vigo County Security Annex demolition MyWabashValley.com BreachLock Unveils Unified Security Testing Platform for PTaaS, ASM, Continuous Pentesting, and Red Teaming PR Newswire Alois Brunner, the Nazi ‘butcher’ who trained Syrian security Al Jazeera English Marine Corps bases take increased security posture The Island News – Beaufort, SC When It Comes to Security, Europe Is Whistling Past the Graveyard World Politics Review Synology Launches ActiveProtect: Simplifying Enterprise Data Protection with Unmatched Security, and Scalability Business Wire Japan links Chinese hacker MirrorFace to dozens of cyberattacks targeting security and tech data The Associated Press Security and Sanctions in Post-Assad Syria The National Interest Online Security consultant denied profiteering in defamation case against CNN WMBB - mypanhandle.com 2025 Security Industry Predictions: Jon Adams, Vice President of Sales, DMP Security Sales & Integration Eric Trager tapped for Mideast slot on Trump’s National Security Council The Times of Israel Can Washington handle two weeks of high-security pomp along with a heavy burst of snow? The Associated Press Washington Township Police to launch security risk assessment program for businesses Bellefontaine Examiner New Orleans hires consultant to review security after Bourbon Street attack. See who has the job. NOLA.com New Orleans attack prompts tighter security in D.C. ahead of inauguration, Carter funeral The Chicago Cusader Newark Airport makes list of Top 10 craziest security catches New Jersey 101.5 FM Base steps up security measures following terrorist attacks Mountain Home News Gov. Ivey mourns security detail member Justin Williams, 42, succumbed to cancer Alabama Political Reporter |
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