Having a crime perpetrated against you is always a possibility, but it has never been so easy to do in the past than it is today. It seems that fraud crimes will always outdistance the deterrents put in place to stop them, but with the ever-increasing reliance of the world upon the Internet, these acts have been multiplying at an alarming rate. Thousands of people fall victim to scams and identity theft every single day, and so this does not happen to you, we will outline the most prevalent types of cyber crimes happening, and tips on how to avoid becoming a victim of them.
Common Types of Electronic Fraud Crimes
Identity Theft: Identity fraud is one of the most prevalent, and most sinister of all the cyber crimes occurring today. Every piece of information you put out on the Internet can be linked together to create a cyber identity for you, and if thieves gain access to enough of those pieces, they can use that information in a lot of ways, most of which can cause a financial crisis for you. It can ruin your credit rating, drain your bank accounts and leave you owing money you never even got to spend.
Sadly, because electronic activity can be easy to trace if the thieves are sloppy in their computer practices, some of them will go the extra mile, and do things the old fashioned way, like going through your garbage, or stealing your mail. Always monitor your mail delivery closely, and if you go away on vacation, be sure to stop the delivery. When you want to discard paid bills and other sensitive documents that could give someone your bank account information or your social security number, shred before discarding it.
Phishing: Phishing is the practice of fraud being committed through the use of fraudulent emails. They will come to your inbox on a daily basis, and they will be phrased in one of two ways: verifying secure information or announcing that you have money owed to you. The first type looks and reads, at first glance, like an official document from your bank, your credit card companies, your insurance company, or a government office. Some of these are quite sophisticated, right down to the company logo. One important thing to remember about this type of fraud is that legitimate companies that traffic in secure, personal information on a daily basis, will never just send an email. They have customer service departments that will call you personally if there is an issue.
These kinds of emails, as well as the ones that announce that you have won a lottery or are entitled to a bequest of some kind, are easily detected if you know what to look for. Read through them carefully, and the first thing you may notice is a lack of a personal address in the letter, your name will probably not even be mentioned. Second, the phrasing will seem off, somehow, especially if they are being sent by someone not completely fluent in English. They will often include a highlighted Internet link, and if you run your cursor across it, without clicking, it will reveal the web domain the thieves are using. More often than not, it will have nothing to do with the company that supposedly sent them. Delete it, and forget it.
Bogus Auctions and Sales: With the advent of the Internet, it is pretty easy to dupe someone out of their money by offering items for sale. Several instances have already arisen on sites like eBay, where a picture of the item was sent to the winner of the auction, but not the item. To avoid this happening to you, never deal with anyone whose reputation you cannot verify through the site itself.
Avoiding Prosecution
Sadly, being a victim of fraud crimes will not always stop at you losing money or having your identity stolen. It can also lead to you being prosecuted because of something the thief did while pretending to be you. Hire an attorney at the first sign that you are a victim of cyber crimes.
Want to learn more about how you can protect yourself from fraud crimes like these? The Law Office of Philip Averbuck has successfully defended victims of fraud for years, and can best advise you on how to proceed, call him today. Also check out our new page on Electronic Fraud Crimes.
