There are all sorts of different scams that people try to run on people, especially around the holidays. These scams can destroy a person’s credit and finances, so it is important that you are fully aware of them. The more knowledgeable you are about these schemes, the easier it will be for you to recognize them for exactly what they are. This information will provide you with exactly what you need to protect yourself against all sorts of unscrupulous individuals.
While many scammers try to get money and information through people via the phone or internet, they can also show up on your doorstep. It is important to be extremely wary of anyone who comes to your home out of the blue wanting to sell you something. Often times it is someone who claims to specialize in a certain trade. They might tell you they have noticed a problem with your roof and offer to fix it for a certain amount.
You should resist any door-to-door salespeople, as it is not a reputable way of conducting business. Any legitimate professional will not simply show up at your doorstep trying to sell you their products or services. Even people who claim to be collecting money for a charity could be trying to scam you. The more information you get from the person, the easier it will be to tell if it is a scam.
The best thing you can do avoid door-to-door scams is to simply not answer the door and make sure it is locked.
A lot of modern scams are still run through the mail, and they typically target older people. One of the most common scams is a letter informing a person that they have won a lottery drawing of some kind. The letter will ask the person to submit their personal and financial information so they can claim their non-existent winnings.
While junk mail is usually pretty harmless, it is important that you take it seriously just in case. Avoid any letters from random people or businesses that want you to send them any of your information. The best thing you can do to avoid these scams is to simply ignore the letters entirely.
If you aren’t sure whether or not a certain letter is a scam, you should look up the details of the business or organization online. This will most likely provide you with the information you need.
Many scams are run over the internet due to the overwhelming number of people who use it each day. There are entire fake websites that exist for the explicit purpose of getting people’s money and personal information. You might receive an email from what you think is your bank with a link to a fake page that was set up by a scammer. You will be asked to enter your information on the site, which will be used to steal your identity money.
You should always confirm the URL of the websites you use, especially when you are asked to enter sensitive personal details. Some of these internet scams pretend to be creditors asking you to make a payment on one of your loans or credit cards. These emails and websites can look legitimate, so you need to stay sharp.
A lot of scams involve sending people emails offering a tax refund, but you have to enter your personal details before you can get it. There is obviously no real money involved, as it is just a scam. No official government agency will ever contact you via email, so keep that in mind.
Sometimes scammers send people emails with attachments that are actually viruses. These viruses can help these people get your personal information by allowing them access to your computer and wireless network at home. You should never download or open any attachments in emails from people you don’t know. If you do download an email attachment, make sure that you have a good online antivirus program in place to check the files.
While some people believe that phone scams are a thing of the past, the truth is that they are still very much a threat for many people. Telephone scammers often prey on the elderly and try to convince them that there is something wrong with their computer. They say that the person’s computer has a virus and that they can get rid of it for a price.
What to Remember
If you only remember one thing about scams, it is to always check the credentials of the person or organization that contacts you. The more research you do, the easier it is to tell if it is nothing more than a scam. This is a simple but effective way to protect yourself from the nightmare that is identity theft.