Scammers use all kinds of techniques to take advantage of victims. One of the most common techniques is called ‘phishing.’ If you’ve never heard of ‘phishing,’ it’s time to make yourself aware.
Scammers use phishing to try to obtain information from an unsuspecting victim illegally. The way it works is the person doing the phishing sets up a fake website or sends out an email claiming to be from a legitimate organization, asking you to input your personal information and bank account number. The’90s saw the first traces of this scam, but it’s still popular today.
More advanced identity thieves often make their websites and emails appear like a legitimate company and even copy the look and logo of existing companies. The hope is the victim will have already done business with the company, hence trusting whatever ‘company’ sends them information and following the prompts to input their information.
Phishing scams affect online business owners too, but in a different way than it affects consumers. Consumers are more cautious in making online transactions because of phishing scams and the way they prey on unsuspecting victims. The Federal Trade Commission works against the perpetrators of such cyber crimes and encourages people to be careful when giving information away, especially over the internet.
Not every website can be trusted with your online information. Before you decide to input any of your personal information or bank account information into an online application, it’s important to make sure the company you’re dealing with is reputable. Check the company’s track record with the Better Business Bureau. Consumers can record complaints against particular companies with the organization so it’s easy to see whether or not a company is trust worthy. Even so, finding nothing wrong doesn’t mean you’re in the clear. Do as much digging as possible to find out the real story behind a company.
A site using a secure server is also an important tip. A safe site stands out from fraudulent ones if you know what to look for. First, the URL of the site’s address should begin with https:// which is standard for all secure sites. There might also be a pad lock icon at the bottom right hand side of your browser window. When the tiny icon is in the ‘lock’ position, this indicates you’re on a secure site.
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