January 5, 2010

• Protecting Against Phishing, Pt.3
    Know your business.

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  • Always use the bank or credit card company's secure email. You can access secure email by logging into your account. Your financial institution will also communicate with you via this secure email site. Typically, they notify you through your registered email address that there is a message waiting for you.

  • Monitor your bank and credit card account statements regularly. Check to assure there are no unauthorized transactions. Report any discrepancies or irregular transactions immediately.

  • Know when your card expires. If your new debit or credit card does not arrive 30 days prior to the expiration date of your current card, contact your financial institution to see if it has been mailed out. Be sure to ask them when you can expect to receive it.

  • If your bank or credit card statement does not arrive in a timely manner, contact your financial institution. Thieves will often intercept confidential mail and use it as well to open new accounts in the victim's name. Signing up for paperless statements online is always best. You should review your account online whenever possible.

  • Do not allow yourself to be intimidated by threatening calls from individuals claiming to be an employee of your bank or credit card company. If you receive such an email or call, ask the individual for his name and phone number so that you can verify information with your financial institution.

  If you believe you may have become a victim of phishing or of a credit card thief, you should take immediate steps to protect yourself. Start by contacting your financial institution directly. It is also suggested that you immediately contact the three credit bureau reporting companies and place fraud alerts on your credit files. You should monitor your credit files and financial statements closely or a regular, preferable three or four times a week. Lastly, if you receive any suspicious emails or phone calls, contact the Federal Trade Commission by calling 1-877-IDTHEFT or visiting them at www.consumer.gov/idtheft

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