Safeguarding Yourself From Scams – Don’t become a victim! Part 1: Common Techniques

Safeguarding Yourself From Scams – Don’t become a victim! Part 1: Common Techniques

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1.) Phishing : Phishing e-mails mimicking online businesses or banks in an attempt to fool people into freely giving out confidential personal and financial information. URL Obfuscation is the part of the phishing scam that really plays on human error and our brain’s ability to “fill in the gaps” automatically by sending a victim to a fraudulent web site address that looks almost exactly like a real address (i.e. http://www.pay-pal.com versus http://www.paypal.com).

2.) Pharming : Pharming is another form of phishing that “poisons” a person’s computer’s DNS cache and redirects visitors from a real web site to a bogus mirror site. Every web site has its own internet address and the Domain Name System (DNS) translates the IP address into the host name. A DNS cache poisoning changes the entries in the computer so when the legitimate site is typed in, the victim is sent to a fraudulent web page instead.

3.) Trojan Horse : Trojan Horses are malicious software files that infiltrate your PC by hiding in seemingly innocuous files. Some Trojans, called “keystroke loggers,” record every one of a person’s keystrokes and send that information back to the attacker.

4.) Trojan : Zombie Computers and Man-In-The-Middle Attacks are part Trojan and the malicious software that is installed on the victim’s computer allows that person’s PC to be controlled remotely by their attacker without their knowledge. The Man-In-The-Middle attack is frequently partnered with an “Evil Twin” which is a fake wireless internet hot spot connection that looks almost like a legitimate service. When the victim attempts to connect, the criminal launches a transaction to get the victim’s credit card information in the form of a standard pay-for-access deal to use the wireless internet.

5.) Cashier’s Check Scams : There are numerous ways to use cashier’s checks in scams. Here are a few of the most common –

Money mule: you receive payments, and you’re supposed to deposit the payments to your account and forward the money to somebody else. Often advertised as a work-at-home check processing job, these schemes are often problematic. In some cases, you’re laundering money for criminals. In other cases, the first few payments are fine, but eventually you’ll get a fake check (after they’ve gained your trust) and you’ll lose money.

Foreign wealth scams: somebody you don’t know reaches out to you and asks for your help transferring a large sum of money out of a corrupt nation. In exchange, you can keep a tiny fraction of the transfer, which is more than you make in a year. Of course, you’ll have to send money to somebody to complete the transfer (which will never arrive).

Inheritance and lottery scams: you’re about to receive a lot of money, but you’ll need to pay a small amount for taxes or legal fees to “release” the funds. It’s a small price to pay for the riches that are headed your way. Of course, they’ll never materialize.

Property rental scam: somebody is moving to your area for a new job. They’d like to pay the first and last month of rent (and security deposit) with a cashier’s check before they ever see the property. The day after you deposit the check, they say there was an issue with the job – they’re not coming, so they don’t need the rental. You can keep the security deposit, but they’d like for you to return some of the rent. After you send the refund, you’ll find that the check was a fake.

Part 2 (JULY) will go over a few tips to protect yourself.

~Your TeCHS

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SCE Scam Warning

Please be aware that utility imposter scams are on the rise here in Southern California. Imposters claiming to be with Southern California Edison (SCE) are calling people and demanding immediate payment to avoid electricity service being disconnected due to allegedly past due bills. The caller demands that the customer purchase a prepaid cash card, call the imposter back, and give the imposter the cash card number.

Customers suspecting any fraudulent activity of this nature should ask for the caller’s name, department, and business phone number. Customers should then immediately terminate the call and call the local police! and SCE at (800) 655-4555.

Always remember that a real SCE employee:

  • Will never call and demand immediate payment.
  • Will never threaten to cut off your service.

Also:

  • Never give out any of your own personal information (including your credit card number, ATM or other card number, PIN numbers, account number, etc).
  • If someone calls you and requests that you leave your home at a specific time for a utility-related cause, call the police. This could be a burglary attempt setup by the caller.
  • Always be suspicious of anyone who arrives at your home without an appointment asking to check an appliance, wiring, or suggesting that there may be some electrical problem inside your residence. SCE employees would have setup that appointment ahead of time and all SCE employees will be wearing an ID badge.

~Your TeCHS

~~**~~**~~

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Your Digital Life Simplified!

www.ezDigitalLife.com | (800) 669-2022

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