Phishing & Smishing
First it was phishing and now smishing. I like to think, I am smart enough to not click on the smishing text messages, or phishing emails, but they are getting more common and savvy. When I received “Do you have an Amazon account” email from an email contact out of the blue, I knew it was a scam! Lately, it seems we also must vet online retailers for their legitimacy.
Scammers use email or text messages to trick you into giving them your personal information. They may try to steal your passwords, account numbers, or Social Security numbers. If they get that information, they could gain access to your email, bank, or other accounts. Scammers launch thousands of phishing attacks like these every day — and they’re often successful.
Scammers often update their tactics, but there are some signs that will help you recognize a phishing email or text message.
Phishing emails and text messages may look like they’re from a company you know or trust. They may look like they’re from a bank, a credit card company, a social networking site, an online payment website or app, or an online store.
Phishing emails and text messages often tell a story to trick you into clicking on a link or opening an attachment. They may.
- say they’ve noticed some suspicious activity or log-in attempts
- claim there’s a problem with your account or your payment information
- say you must confirm some personal information
- include a fake invoice
- want you to click on a link to make a payment
- say you’re eligible to register for a government refund
- offer a coupon for free stuff
Quick tip: never enter your personal or login credentials through any link sent to you without talking to your provider on a call initiated by you.
How To Protect Yourself from Phishing Attacks
Your email spam filters may keep many phishing emails out of your inbox. But scammers are always trying to outsmart spam filters, so it’s a good idea to add extra layers of protection. Here are four steps you can take today to protect yourself from phishing attacks.
Four Steps to Protect Yourself from Phishing
1. Protect your computer by using security software. Set the software to update automatically so it can deal with any new security threats.
2. Protect your mobile phone by setting software to update automatically. These updates could give you critical protection against security threats.
3. Protect your accounts by using multi-factor authentication. Some accounts offer extra security by requiring two or more credentials to log in to your account. This is called multi-factor authentication. The additional credentials you need to log in to your account fall into two categories:
- Something you have — like a passcode you get via an authentication app or a security key.
- Something you are — like a scan of your fingerprint, your retina, or your face.
Multi-factor authentication makes it harder for scammers to log in to your accounts if they do get your username and password.
4. Protect your data by backing it up. Back up your data and make sure those backups aren’t connected to your home network. You can copy your computer files to an external hard drive or cloud storage. Back up the data on your phone, too.
One thing is for sure, hackers, con artists and fraudsters will continue to try to scam those unsuspecting and unprepared.