Phishing is when a scammer uses fraudulent emails or texts, or copycat websites to get you to share valuable personal information-such as account numbers, Social Security numbers, or your login IDs and passwords. Scammers use your information to steal your money or your identity or both.
Scammers also use phishing emails to get access to your computer or network then they install programs like ransomware that can lock you out of important files on your computer.
Phishing scammers lure their targets into a false sense of security by spoofing the familiar, trusted logos of established, legitimate companies. Or they pretend to be a friend or family member.
Phishing scammers make it seem like they need your information or someone else’s, quickly-or something bad will happen. They might say your account will be frozen, you’ll fail to get a tax refund, your boss will get mad, even that a family member will be hurt or you could be arrested. They tell lies to get you to give them information.
Be cautious about opening attachments or clicking on links in emails
Even your friend or family members’ accounts could be hacked. Files and links can contain malware that can weaken your computer’s security.
Do your own typing
If a company or organization you know sends you a link or phone number, don’t click. Use your favorite search engine to look up the website or phone number yourself. Even though a link or phone number in an email may look like the real deal, scammers can hide the true destination.
Make the call if you’re not sure
Do not respond to any emails that request personal or financial information. Phishers use pressure tactics and prey on fear. If you think a company, friend or family member really does need personal information from you, pick up the phone and call them yourself using the number on their website or in your address book, not the one in the email.
Turn on two-factor authentication
For accounts that support it, two-factor authentication requires both your password and an additional piece of information to log in to your account. The second piece could be a code sent to your phone, or a random number generated by an app or token. This protects your account even if your password is compromised. As an extra precaution, you may want to choose more than one type of second authentication (e.g. a PIN) in case your primary method (such as a phone) is unavailable.
Back up your files to an external hard drive or cloud storage
Back up your files regularly to protect yourself against viruses or a ransomware attack.
Keep your security up to date
Use security software you trust, and make sure you set it to update automatically.
Report phishing emails and texts
- File a report with the Federal Trade Commission at ReportFraud.ftc.gov.
- Visit Identitytheft.gov. Victims of phishing could become victims of identity theft; there are steps you can take to minimize your risk.
- If you receive a phishing text message, forward it to SPAM (7726).
This article was provided by the Federal Trade Commission.