Credit Guide

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Card Consolidation Credit Debt "Phishing," the latest craze among online evil-doers, has
nothing to do with sitting at the end of a dock on a sunny
afternoon dangling a worm to entice hungry catfish.

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Credit Union But, if you take their bait, this new breed of online con
artist will hook you, reel you in, and take you for every
dollar you have... or worse.

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Merchant Credit Guide Co "Phishing" describes a combination of techniques used by
cyber crooks to bait people into giving up sensitive
personal data such as credit card numbers, social security
numbers, bank account numbers, dates of birth and more.

mails with links to fraudulent Web sites that imitate the look and feel of legitimate business sites. These phishing attacks lure recipients into divulging personal information such as credit card numbers, account usernames and passwords, social security numbers and more. Phishing Working Group, phishers are able to convince up to 5% known banks, online retailers and credit card companies.

Apply Online For Credit Card Their techniques work so well that, according to
FraudWatchInternational.com, "phishing" rates as the
fastest growing scam on the Internet.

So, whether you are browsing the web at a cyber cafe or even giving your details to an official at the Department of Home Affairs, you could be opening yourself up to fraud. These crooks thrive on secrecy, so by far the best way to sabotage their plans is to be vigilant, and to know whats going on with your credit record.

By Card Credit Debt Debt Guide Here's the basic pattern for a "phishing" scam...

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Credit Repair You receive a very official email that appears to originate
from a legitimate source, such as a bank, eBay, PayPal,
a major retailer, or some other well known entity.

Active Credit Credit Guide In the email it tells you that something bad is about to
happen unless you act quickly.

Credit Score Typically it tells you that your account is about to get
closed, that someone appears to have stolen your identity,
or even that someone opened a fraudulent account using your
name.

Bad Car Credit Guide Loan In order to help straighten everything out, you need to
click a link in the email and provide some basic account
information so they can verify your identity and then give
you additional details so you can help get everything
cleared up.

Bad Credit Loan Once you give up your information... it's all over but the
crying!

Credit Definition Derivative After getting your information, these cyber-bandits can
empty your bank accounts, deplete your PayPal accounts, run
up your credit card balances, open new credit accounts,
assume your identity and much worse.

Bad Credit Mortgage An especially disturbing new variation of this scam
specifically targets online business owners and affiliate
marketers.

The Insider Guide To Credit In this con, the scammer's email informs you that they've
just sent $1,219.43 (or a similar big but believable
amount) in affiliate commissions to you via PayPal.

Business Credit Card They need you to log into your PayPal account to verify
receipt of the money and then email them back to confirm
you got it.

Banker Complete Credit Guide Since you're so excited at the possibility of an unexpected
pay day, you click the link to go to PayPal, log in, and
BANG! They have your PayPal login information and can empty
your account.

Credit Card Application This new "phishing" style scam works extremely well for 2
basic reasons.

Credit Guide Managing First, by exploiting your sense of urgency created by fear
or greed, crooks get you to click the link and give them
your information without thinking.

Credit Card Offer Second, the scammers use a variety of cloaking and spoofing
techniques to make their emails and websites appear totally
legitimate, making it extremely hard to spot a fake website,
especially when they've first whipped you into an emotional
frenzy.

Merchant Credit Guide Company The good news, however, is that you can protect yourself
relatively easily against this type of cyber-crime with
basic software and common sense.

Bad Credit Most of these scams get delivered to you via Spam
(unsolicited email), so a good spam blocker will cut down
on many of them even making it to your inbox.

Collection Collection Complete If you receive an email that looks legitimate and you want
to respond, Stop - Wait - Think!

Credit Counseling Verify all phone numbers with a physical phone book or
online phone directory like www.Verizon.com or
www.ATT.com/directory/ before calling.

Complete Credit Guide Higher Look for spelling and grammatical errors that make it look
like someone who doesn't speak English or your native
language very well wrote it.

Chase Credit Card Never click the link provided in the email, but go directly
to the website by typing in the main address of the site
yourself (example: www.paypal.com or www.ebay.com).

Complete Credit Guide Hedging Forward the email to the main email address of the website
(example: support@paypal.com) or call the customer service
number on the main website you typed in yourself and ask if
it is in fact legitimate.

Bad Credit Home Loan Above all remember this:

Bad Credit Personal Loan Your bank, credit card company, PayPal, eBay and anyone
else you deal with online already knows your account
number, username, password or any other account specific
information.

Credit Score Guide They don't need to email you for ANY reason to ask you to
confirm your information -- so NEVER respond to email
requests for your account or personal details.

Online Credit Report About the Author:

Credit Guide Jim Edwards is a syndicated newspaper columnist and the
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