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Scams and Fraud

Scammers are getting smarter—but so can you.
 
From fake calls and phishing emails to identity theft and ransomware, we’re here to help you spot the red flags, protect your information, and stay a step ahead.

Know What to Watch For

You don’t need to be a tech expert to protect yourself from fraud. Just a little knowledge goes a long way. We’ve simplified the most common scam threats and included practical tips to help you avoid them.

Help Stop Fraud Before It Starts

Learn how to protect yourself—and the people you care about—from common scams, identity theft, and financial fraud. A few smart habits can make a big difference.
 

Simple Ways to Protect Yourself from Scams

Fraud often starts with a message or call you weren’t expecting. These quick tips can help you spot the warning signs and avoid common traps.
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Spot the Red Flags

Scammers create urgency to get you to act fast. Don’t click suspicious links or respond to unexpected messages. Take a breath, verify the source, and stay in control.

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Protect Your Information

Never share passwords, account numbers, or your Social Security number over email, text, or the phone—especially if you didn’t start the conversation.
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Know Who You’re Talking To

If something feels off, don’t respond. Look up the company’s official contact information and reach out directly to confirm the request.



What is Identity Theft?

Identity theft occurs when someone steals your personal information (e.g., name, Social Security number, credit card details) to hijack your accounts, make purchases, open new credit cards, or charge medical bills to your insurance.

How to Recognize it:

  • Charges you don’t recognize
  • Credit report changes you didn’t request
  • Missing bills or account statements

How to Prevent it:

  • Check your bank accounts and credit regularly
  • Create strong, unique passwords
  • Keep antivirus software updated
  • Avoid clicking on suspicious links or attachments
 
 

How to Report it:

  • Federal Trade Commission: Visit IdentityTheft.gov or call 1.877.438.4338
  • Local Police: File a report if needed by creditors or if you know the person involved
  • Medical or Tax Fraud: Report to Medicare or the IRS
  • Credit Bureaus: Contact Equifax, Experian, or TransUnion to place a credit freeze or fraud alert

Security Threats to Watch For

Cybercriminals are always finding new ways to trick people into sharing personal or financial info. Here are a few common tactics to look out for—and how to protect yourself.

Phishing, Spoofing & Quishing

Scammers may pretend to be a company or person you trust, using slightly altered emails, websites, or QR codes to trick you.

  • Double-check email addresses and links before clicking.
  • Never share personal info through links in unexpected messages.
  • Be cautious when scanning QR codes—check the URL before continuing.

Social Media Safety

Oversharing online can make you a target.

  • Avoid posting personal details like your address or travel plans.
  • Review privacy settings on your accounts.
  • Be cautious with friend requests and third-party apps.

Caller ID Spoofing

Just because a number looks familiar doesn’t mean it’s legit.

  • Let unknown calls go to voicemail.
  • Don’t share personal information over the phone unless you initiated the call.
  • Verify any requests by calling the organization directly using a number from their official website.














What is Multi-Factor Authentication (MFA)?

MFA adds an extra layer of protection to your online accounts. Instead of just a password, you’ll need a second form of verification—making it harder for scammers to get in.

MFA uses two or more of the following:

  • Something you know (like a password)
  • Something you have (like a code sent to your phone)
  • Something you are (like a fingerprint or face scan)

Why it matters: Even strong passwords can be stolen. MFA makes it much more difficult for someone else to access your accounts, even if they have your login information.

Top 3 Things to Know About Ransomware 

Ransomware is malicious software that encrypts your data, then demands money to unlock it. Paying the ransom doesn’t guarantee you’ll get your files back.
One click on a fake link or attachment can install ransomware on your device. Be cautious with messages that seem urgent or unfamiliar.
Regularly back up your files and store them in a secure location that's not connected to your main network. This allows you to recover your data without paying a ransom.








Stay Informed. Stay Protected.

 
You don’t have to be an expert to outsmart fraud. Whether you’re helping a loved one or securing your own accounts, we’re here to help.