Don’t Be A Phishing Victim In An Electronic Scam

It starts with a message about something that will require you to immediately correspond with your bank threatening account closure. The message will look authentic enough not to rouse initial suspicion and will impress on you the need to act with urgency. Without giving it a second thought, you enter your user name and password to access your account online. Unknowingly, you have just swallowed the bait, hook, line and sinker of electronic criminal elements. Welcome to the world of phishing schemes.

For the information of the general public, phishing is the term given to the electronic theft of personal and private data and information. People never seem to learn and phishers continue to rake in millions of dollars from their victims. Clearly, phishing is a big problem, but the question is how can you protect yourself from being reeled in?

The first basic rule is to be naturally wary and suspicious. Phishing is done electronically and on the surface will give all indications of authenticity that will not cause any suspicion on the intended victim. That can make it difficult for you to recognize a fraud. But if you will look a little more into the details, you will see signs of a fake message.

The manner of being addressed for example can provide a clue. If the message is not addressed to you personally, it needs to be confirmed. So if you receive an email in your website, is it your name in the address field? A specific example of a phishing message would be addressed generally, like “PayPal customer”, and not to the name of a particularly person.

The email content should also provide you with clues. Phishing schemes frequently use scare tactics, such as telling you that your account is being suspended, to make you act quickly and without thinking. Don’t fall into their trap! Call the bank or whatever company it is supposed to be and demand clarification and details of whatever is the alleged problem with your account.

More importantly, don’t go to the link provided in the message. These links will redirect you to the attackers’ web site. You should have prior communication with the legitimate firm, and that is where you should go to make your enquiries. If a message claiming to be from your bank directs you to reply to a website, send your reply not to the mentioned website but to your bank’s which you ought to have on file. It will be the best way to verify the message content without putting at risk your personal and private information.

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