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In the past few years, retailers have seen a trend in how their customers shopped for the holidays. More and more people have grown weary of standing in the cold or elbowing through thousands of shoppers to buy this year’s hot toy. Savvy shoppers have increasingly opted to stay home in their pajamas and find great deals online.

That’s led to the rise in Cyber Monday. Once the holiday chaos of Black Friday is out of the way, the following Monday is a time to pop over to the internet and see what sales are taking place to finish (or start!) your shopping.

Unfortunately, just like Black Friday, Cyber Monday is a favorite holiday for identity thieves, scammers and hackers. In order to reduce your risk of falling victim to the crime, you have to take some steps to secure your identity.

1. Know your antivirus software – Antivirus software has come a long way since the early days of trying to block malicious computer threats. Unfortunately, so have the tools that cybercriminals use to steal your money, your identity, your computer and more. A comprehensive security suite can now offer you protection from ransomware, trojans, worms, phishing scams, keyloggers and so much more. Many of them now include parental control tools, which is great if you have kids, as well as VPNs and tracking blockers for private browsing online.

Make sure your security suite is installed, updated and ready to protect you before you start entering your credit card details and your shipping address online.

2. Know your payment methods – Whether you’re using credit cards, debit cards, online payment platforms like PayPal, or gift cards, it’s important to keep up with which method you used on which website. That way, if there’s suspicious activity on your card or account later, you can trace it back to which site you may have used.

It’s also a good idea to know ahead of time what kinds of consumer protection are in place in case of fraud. Will your credit card company stand up for you if someone steals your information or racks up extra charges? Will they protect you if the website you used was a scam and they never send your purchases? Find out the rules and regulations—as well as what kinds of money-saving deals and discounts, if any—are in place before you use it.

3. Know what you’re clicking – Fake websites, copycat websites that look like real retailers’ sites, and bogus ads that only lead to click-revenue are the bane of every shopper’s existence at this time of year. Look for the site’s HTTPS designation before you enter any payment details, and make sure this is a reputable company before you pay for anything. A quick Google search for the name of the company or a check of the BBB’s scam tracker can tell you if there are any dissatisfied customers out there.


Contact the Identity Theft Resource Center for toll-free, no-cost assistance at (888) 400-5530. For on-the-go assistance, check out the free ID Theft Help App from ITRC.

Read next: “I’ve Hacked Your Password” Scam

There were more than 184 million ransomware attacks around the world last year, and there’s no sign that this type of cybercrime is slowing down. If anything, the effectiveness and lucrative payouts for hackers could mean even higher numbers of attacks in the coming months.

Are you prepared? Is your workplace?

The first step is to understand how ransomware works. The culprits behind the attack can be some of the most sophisticated hackers in their field, or they may be nothing more than a low-level user who has purchased some malicious software on the Dark Web. A highly-skilled hacker can infiltrate your network, while a less adept cybercriminal relies on getting you to install the malicious software for them through a phishing email or other social engineering.

Once the harmful software is on your network, though, your files and system are locked up tight. The only way to regain access—and restore day-to-day business—is to pay the ransom and hope the criminal decides to give you the necessary decryption key. (In too many cases, the thieves made off with the ransom and refused to unlock the victim’s computers.)

One recent profile of ransomware victims demonstrated a couple of different approaches to dealing with an attack. In one instance, a city government was infiltrated; they decided to pay the ransom and hope for the best. In the other case, city officials decided not to pay the ransom and instead rely on the backups of their important files.

So who was right? It doesn’t matter. Every ransomware attack and every victim are different, so making a sound decision about recovery should be the work of the victim, law enforcement, and security experts.

But here are some things to consider:

  • While businesses are more likely to provide a bigger payout, criminals know that individuals might pay up in order to retrieve their precious photos, videos, stored content, and more.
  • Paying the ransom is absolutely no guarantee that a hacker will decrypt your files or unlock your computer.
  • The best defense against this kind of attack is to routinely back up all of your files and important folders.
  • Ensuring that you, your family members, and your company’s workforce can spot a phishing attempt and avoid installing harmful software will also help protect you.
  • A company-wide policy about never downloading unknown files, never clicking on links in emails, never opening unexpected attachments, and other dangerous behaviors can also secure your network from this kind of attack.

No matter what steps you take, it’s important to stay on top of cyberthreats and scam attempts. Regular company training and a comprehensive company-wide computer use policy can help protect your business network, and monitoring computer use at home can do the same. As always, installing and updating a strong antivirus solution to block these threats is important, too.


Contact the Identity Theft Resource Center for toll-free, no-cost assistance at (888) 400-5530. For on-the-go assistance, check out the free ID Theft Help App from ITRC.

Read next: “I’ve Hacked Your Password” Scam

Most consumers probably have some level of knowledge about identity theft and fraud. It might only be a passing familiarity thanks to news headlines about record-setting numbers of data breaches. For others, their deeper knowledge of this kind of crime may come from having already been victimized. As anyone who has had to navigate the aftermath of identity theft crimes can tell you, it carries a lasting—possibly even lifelong—impact.

So how much do you really know about this crime? (You can take this short quiz to find out!)

The Association of Certified Fraud Examiners, ACFE for short, wants to help every consumer be as fraud-aware as possible in order to reduce their risk of becoming a victim. The organization hosts an annual event each November known as Fraud Week, and together with the Identity Theft Resource Center will host a Twitter chat filled with important tips and information for the public.

International Fraud Awareness Week will run from November 11th through 17th, and while some of the information is geared towards preventing this crime within the business sector, there are plenty of resources for everyday consumers. You can sign up to host a local community education event, direct your company or business to informational webinars, and find ideas for posting on social media to raise awareness. One great item to share on your social media channels is this ACFE video on identity theft and fraud, for example.

Of course, joining the Twitter chat on November 15th is another great way to get involved and stay informed. The ITRC and ACFE will co-host the free event online at 3pm ET/12pm PT, and participants only need to log into their Twitter accounts and search for The #fraudweekchat hashtag to participate. Be sure to add the hashtag to all of your questions or comments so other participants and the chat hosts can see them.

Finally, one of the best ways to really understand the impact of fraud is to hear from the victims themselves. The ITRC’s annual Aftermath report compiles information from victim surveys, which were completed by people who reached out to the organization for help during the previous year. This information explores not only the financial impact of this crime, but also the mental, emotional, and even physical effects of being a victim.

To say that it’s up to the victims to prevent identity theft and fraud is wrong; in too many cases, the victim couldn’t have done anything to prevent the crime. However, there are ways consumers can reduce their risk, recover as quickly as possible, and minimize the lasting effects. Knowing how to recover from this kind of crime starts without knowing what preventive measures to put in place, what steps to take in the event of fraud, and what resources are available to help victims. It all starts with awareness, so make plans to be a part of Fraud Week.


Contact the Identity Theft Resource Center for toll-free, no-cost assistance at (888) 400-5530. For on-the-go assistance, check out the free ID Theft Help App from ITRC.

Read next: “Vote By Phone” Scam

Most consumers probably have some level of knowledge about identity theft and fraud. It might only be a passing familiarity thanks to news headlines about record-setting numbers of data breaches. For others, their deeper knowledge of this kind of crime may come from having already been victimized. As anyone who has had to navigate the aftermath of identity theft crimes can tell you, it carries a lasting—possibly even lifelong—impact.

So how much do you really know about this crime? (You can take this short quiz to find out!)

The Association of Certified Fraud Examiners, ACFE for short, wants to help every consumer be as fraud-aware as possible in order to reduce their risk of becoming a victim. The organization hosts an annual event each November known as Fraud Week, and together with the Identity Theft Resource Center will host a Twitter chat filled with important tips and information for the public.

International Fraud Awareness Week will run from November 11th through 17th, and while some of the information is geared towards preventing this crime within the business sector, there are plenty of resources for everyday consumers. You can sign up to host a local community education event, direct your company or business to informational webinars, and find ideas for posting on social media to raise awareness. One great item to share on your social media channels is this ACFE video on identity theft and fraud, for example.

Of course, joining the Twitter chat on November 15th is another great way to get involved and stay informed. The ITRC and ACFE will co-host the free event online at 3pm ET/12pm PT, and participants only need to log into their Twitter accounts and search for The #fraudweekchat hashtag to participate. Be sure to add the hashtag to all of your questions or comments so other participants and the chat hosts can see them.

Finally, one of the best ways to really understand the impact of fraud is to hear from the victims themselves. The ITRC’s annual Aftermath report compiles information from victim surveys, which were completed by people who reached out to the organization for help during the previous year. This information explores not only the financial impact of this crime, but also the mental, emotional, and even physical effects of being a victim.

To say that it’s up to the victims to prevent identity theft and fraud is wrong; in too many cases, the victim couldn’t have done anything to prevent the crime. However, there are ways consumers can reduce their risk, recover as quickly as possible, and minimize the lasting effects. Knowing how to recover from this kind of crime starts without knowing what preventive measures to put in place, what steps to take in the event of fraud, and what resources are available to help victims. It all starts with awareness, so make plans to be a part of Fraud Week.


Contact the Identity Theft Resource Center for toll-free, no-cost assistance at (888) 400-5530. For on-the-go assistance, check out the free ID Theft Help App from ITRC.

Read next: “Vote By Phone” Scam

On November 6th, citizens will cast their votes for governors, state officials, or members of Congress, either continuing to support the incumbent or opting to make a change with a new candidate. In any event, the work of campaigning and elections are big business…especially for scammers.

With so much discussion about the mid-term elections, thieves have launched a wide variety of election season scams to steal personally identifiable information, financial resources, or both.

1. Phishing attempts – Candidates and political parties rely on emails and phone calls to connect with voters, and scammers are using the same tactics. By posing as members of a campaign, scammers target their victims with phony donation requests, fake news articles that encourage them to click and input their information to read, and more. The goal in these scams isn’t just money, but also access to your personal data.

2. Donation requests – It takes a lot of money to put on an effective campaign, so political candidates often request donations, host fundraisers, and more. Thanks to online platforms, candidates or their team members can request money via social media and platforms like GoFundMe or PayPal. However, the natural mechanism that allows candidates to do that effectively also means a scammer can do it, too. Be on your guard for similar names, “patriotic”-sounding organizations, and issue or party-centric groups that are not actually affiliated with anyone campaigning.

3. Fake robocalls – There have already been reports of robocalls associated with particular candidates for promotional purposes, and remember, charitable organizations and political ads are two of the categories that are exempt from the Do Not Call registry. However, some of the robocalls have not only been spoofed or use stolen recordings of the candidates, but some of them have also even been highly offensive and designed to get the listener to interact.

So how are you supposed to protect yourself from elections season scams? By using the exact same good habits that are designed to keep you safe from scams throughout the year. Never give out your information or verify your identity to someone who contacts you; never make a spur-of-the-moment donation or spontaneously pay a fee, fine, or bill; remember that anyone can create an email account or website, and it doesn’t take any effort or know-how to copy or mimic an existing organization.

Keep your identity and your finances secure by being cautious about how you interact with the campaign process this year…and don’t forget to vote!


Contact the Identity Theft Resource Center for toll-free, no-cost assistance at (888) 400-5530. For on-the-go assistance, check out the free ID Theft Help App from ITRC.

Read next: “Vote By Phone” Scam

October is in full swing, and you can tell just by looking around. Halloween decorations fill every storefront, and Dia de Los Muertos depictions are already on display. Pumpkins, ghosts and skeletons already sit on porches, propped in place for some scary fun.

While hordes of the undead (trick or treaters) will be stalking the streets soon, here’s an all-too-real, all-too-common, supremely scary “undead” scenario: an identity thief steals your deceased loved one’s identity to open new accounts, apply for government benefits, buy houses or cars and more.

According to some reports, as many as 2.5 million deceased individuals become the victim of identity theft each year. Some estimates say that around 800,000 of these people are targeted specifically because they have passed away (the remaining identities may simply be chance victims of identity theft or random use of Social Security numbers). As with some other types of identity theft, like child identity theft, the culprits have typically been close friends or relatives of the departed. The easy access to their sensitive documents and the uncertainty surrounding things like account status or benefits means it can be easy for someone to slip in and commit this kind of fraud.

However, that’s certainly not the only mechanism by which a thief can steal a deceased person’s identity. Thanks to things like data breaches and synthetic identity theft, even strangers can commit fraud with someone else’s data. Add to this the wealth of social media accounts, personal information online, and internet obituaries, it becomes even easier to seek out a victim who won’t be likely to speak up about the crime.

Unfortunately, this specific form of identity theft—also called “ghosting”—can take months for financial institutions to discover. It’s unthinkable that you may find out months later, just as you’re beginning to rediscover some new sense of normal without your loved one, that their name and identity has been used to commit fraud.

There are some steps you can take to protect your family if you experience this kind of terrible loss:

1. Be reserved about the obituary – Watch what details you share, such as precise birth dates, anniversaries, or relatives’ names if identifiers could be picked out. Mentioning that your grandmother’s sister never married, for example, would give identity thieves your grandmother’s maiden name. This could also spell trouble for different relatives, as they would now know your mom or dad’s mother’s maiden name.

2. Alert the Social Security Administration – Let them know that the recipient has passed away and to lock their number. This would prevent someone from filing a change of address form and changing the account number where benefits would be received.

3. Reach out to the three major credit reporting agencies – By contacting the credit reporting agencies, you can ask for a freeze to be placed on your loved one’s credit report. This should effectively prevent anyone from opening a new line of credit or making a large purchase.

4. Keep documentation secure – It’s horrible to think that someone close to you would try to take advantage of this awful situation, but it does happen. Money troubles can make people do desperate things. Be very careful if someone asks too many questions, wants to view documents, insists on accompanying you to the bank or Social Security Administration, etc.

5. Continue to monitor your loved one’s identity – There are websites where you can check to see if an SSN has been used or identifying information has been stolen. Also remember that junk mail and unshredded documents are prime sources of identity theft. If any strange bills or statements arrive in the mail, don’t disregard them without investigating them further.


Contact the Identity Theft Resource Center for toll-free, no-cost assistance at (888) 400-5530. For on-the-go assistance, check out the free ID Theft Help App from ITRC.

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