| Have you ever heard of the following new criminal scams? Dumpster-diving, Mail theft, Pharming, Phishing, Skimming. and Shoulder-surfing One of the laziest ways they steal our identity is through Dumpster-diving. They simply sort through a person's trash for paper records such as credit card offers, bank statements, past paid bills, or anything that has your personal and financial information. Mail theft is a low-tech method lazy criminals use to go after your personal and financial information. Many people leave a red flag on their mailbox showing there is mail to be picked up. Criminals love this because they tells them that the mailbox is ripe for the picking. Shoulder-surfing is a low-tech, low-touch technique criminals use to get your information - and they boldly do so in public. Typically they watch or listen carefully as we key our credit card number or password into a keypad, or give the our account number over the telephone. Pharming is an electronic scam in which criminals steal information from numerous people website server and redirect information to a new website that they operate to gather your information. Phishing is a scam in people are tricked into entering their personal information into a bogus email and website form. The email looks as if it was sent from a company such as AOL, PayPal, eBay, or a major bank or credit card company. Skimming is a another growing identity theft scam where criminals steal credit card numbers by usind a credit card reader that reads and stores the information. I represented a waiter at a local Houston restaraunt who did just that. By the way, I will never have or carry a credit card. PERIOD. I've had people say, "But what about for an emergency". My feelings are that the credit card is likely to BE the emergency. |
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