Cyber crime is a hot-button issue across the globe right now. Hackers have access to advanced technology that makes it easier to commit the crimes, and they do not discriminate as to whom they attack. The FBI’s Internet Crime Complaint Center reported more than 260,000 complaints were filed in 2013 with monetary losses totaling over $781 million. However, the U.S. government is fighting back. Below the Department of Homeland Security (DHS) and the FBI provide ways in which you can protect yourself from becoming a victim of a cyber crime.
Tips to avoid falling victim to cyber crime
Choose strong passwords and change them often. A strong password uses a combination of letters, numbers and symbols (when allowed) and does not include your name or other commonly known information about you, such as your children or pets’ names. Also, do not use the same password for multiple accounts.
Criminals will often use high-profile incidents like a data breach to conduct scams, such as fake identity theft services or using personal information to pretend to be a legitimate company. Be aware of possible phishing attempts. If you receive an email prompting you to change your account password claiming to be from your email provider, bank or another website you frequent, make sure the email is legitimate. To be safe, go directly to websites to change your password and type the link yourself rather than clicking on links embedded in emails.
Be on the lookout for other people accessing your personal accounts. Monitor email and social media accounts for suspicious messages or messages appearing from you, but that you did not send. Monitor your bank accounts and credit card accounts for unauthorized charges. Request a free credit report to ensure no unauthorized accounts have been opened in your name.
Tips for avoiding credit card fraud online
Don’t give out your credit card number online unless the site is a secure and reputable one. Sometimes a tiny icon of a pad-lock appears to symbolize a higher level of security to transmit data. This icon is not a guarantee of a secure site but provides some assurance. Don’t trust a site just because it claims to be secure. Before using the site, check out the security/encryption software it uses.
Make sure you are purchasing merchandise from a reputable source. Do your homework on the individual or company to ensure it is legitimate. Obtain a physical address rather than simply a post office box and a telephone number, and call the seller to see if the telephone number is correct and working. Send an email to the seller to make sure the email address is active and be wary of those who utilize free email services where a credit card wasn’t required to open the account. Consider not purchasing from sellers who won’t provide you with this type of information. Check with the Better Business Bureau from the seller’s area.
Check out other websites regarding this person/company. Also, don’t judge people or companies by their websites. Flashy websites can be set up quickly. Be cautious when responding to special investment offers, especially through unsolicited email, and be wary when dealing with individuals/companies from outside your own country.
If possible, purchase items online using your credit card because you can often dispute the charges if something goes wrong. Make sure the transaction is secure when you electronically send your credit card number. Keep a list of all your credit cards and account information along with the card issuer’s contact information. If anything looks suspicious or you lose your credit card(s), contact the card issuer immediately.
For more information about the DHS’ cybersecurity campaign, visit www.dhs.gov/stopthinkconnect-get-informed or call (202) 282-8000. For more information about the FBI’s cyber crime prevention tips, visit www.fbi.gov/scams-safety/fraud/internet_fraud or call (202) 324-3000.
