Kelly Baker, Author at IdentityIQ Identity Theft Protection Wed, 13 Mar 2024 15:55:26 +0000 en-US hourly 1 https://wordpress.org/?v=6.4.3 https://www.identityiq.com/wp-content/uploads/2021/05/cropped-favicon-32x32.png Kelly Baker, Author at IdentityIQ 32 32 Identity Theft Can Leave Victims on the Hook for Tax Refund Advance Loans https://www.identityiq.com/scams-and-fraud/tax-refund-advance-loans-scam/ Wed, 13 Mar 2024 15:55:26 +0000 https://www.identityiq.com/?p=6724 Identity Theft Can Leave Victims on the Hook for Tax Refund Advance Loans
IdentityIQ

Tax season presents opportunities for cybercriminals to exploit unsuspecting taxpayers through a range of scams. One particular scam involves identity theft and the misuse of tax refund advances. These advances allow filers to receive a portion of their expected refund quickly, but scammers have found ways to capitalize on this service, leaving victims on [...]

The post Identity Theft Can Leave Victims on the Hook for Tax Refund Advance Loans appeared first on IdentityIQ written by Kelly Baker

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Identity Theft Can Leave Victims on the Hook for Tax Refund Advance Loans
IdentityIQ

Tax season presents opportunities for cybercriminals to exploit unsuspecting taxpayers through a range of scams. One particular scam involves identity theft and the misuse of tax refund advances. These advances allow filers to receive a portion of their expected refund quickly, but scammers have found ways to capitalize on this service, leaving victims on the hook for loans they never requested.

What Is a Tax Refund Advance?

A tax refund advance allows filers to receive a portion of their expected tax refund within weeks or even days. To get the advance, taxpayers must apply through a tax preparation service. Some services require proof of income, while others do not.

The Tax Refund Advance Scam

Cybercriminals have devised a scheme to capitalize on tax refund advances and victimize innocent filers in the process. They begin by stealing unsuspecting taxpayers’ personal information and identities. Armed with these stolen identities, the scammers impersonate the victims and submit fabricated tax returns to major preparation services such as Jackson Hewitt or H&R Block.

These services then approve a tax refund advance based on the fake return. By the time the advance hits the imposter’s account, they have disappeared without a trace.

Meanwhile, the victim is left blindsided when the tax preparation company comes collecting on the advance. On top of losing the stolen refund money, the victim must also repay the loan plus steep interest rates. All for fraudulent tax filings the victim never filed in the first place.

How You Can Help Protect Yourself

Protect Your Personal Information

Cybercriminals often gain access to victims’ personal information through hacking, accidental exposure, or by tricking people into sharing sensitive data. Scammers may impersonate the IRS and claim to need information for tax purposes, only to disappear with your details.

Never share personal details such as your Social Security number or bank account information with anyone you don’t completely trust. If scammers obtain this data, they can file taxes in your name and steal your refund.

File Your Taxes Early

As soon as you receive your tax forms, file your taxes. This helps protect you from potential fraud. If a scammer attempts to file using your information after you’ve already submitted your return, their attempt will be rejected. Filing early helps ensure the scammer’s efforts are fruitless, and they’ll likely move on.

Use IdentityIQ Identity Theft Protection Services

Help protect your identity with IdentityIQ identity theft protection services. Their advanced monitoring system keeps a vigilant eye on your personal information, alerting you in real-time to possible suspicious activity that could signal identity theft.

With flexible pricing plans, you can enjoy complete peace of mind knowing your identity is secure and expert support is just a call away if the unthinkable happens.

How to Report

If you fall victim to identity theft, you should report the incident to the police first, then contact your credit card companies and relay the same information. You should also file a report with the Federal Trade Commission by filling out the form at IdentityTheft.gov or by calling 877-438-4388.

Bottom Line

To help you avoid becoming a victim of a tax refund advance scam, remember:

  • The IRS does not initiate communication with taxpayers via text messages, emails, or social media.
  • The IRS never leaves a pre-recorded/robocall voicemail asking for payment.
  • The IRS never asks for your personal login information for your bank or credit card accounts.
  • The IRS won’t threaten you with arrest or deportation for non-payment.
  • The IRS does not have the authority to revoke your Social Security number, driver’s license, or visa. If the person on the other end of the phone uses these threats, it’s a scare tactic and a scam.

The post Identity Theft Can Leave Victims on the Hook for Tax Refund Advance Loans appeared first on IdentityIQ written by Kelly Baker

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Help! Someone Is Using My Home Address Fraudulently. What Now? https://www.identityiq.com/scams-and-fraud/address-fraud/ Tue, 05 Mar 2024 00:45:44 +0000 https://www.identityiq.com/?p=6702 Help! Someone Is Using My Home Address Fraudulently. What Now?
IdentityIQ

It's an unsettling realization. That nagging feeling when you receive a piece of mail not meant for you, or when an unexpected package appears at your doorstep with someone else's name. Suddenly, questions begin to bubble to the surface: Why is this happening? Who is behind it? And, crucially, what potential harm lurks in [...]

The post Help! Someone Is Using My Home Address Fraudulently. What Now? appeared first on IdentityIQ written by Kelly Baker

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Help! Someone Is Using My Home Address Fraudulently. What Now?
IdentityIQ

It’s an unsettling realization. That nagging feeling when you receive a piece of mail not meant for you, or when an unexpected package appears at your doorstep with someone else’s name. Suddenly, questions begin to bubble to the surface: Why is this happening? Who is behind it?

And, crucially, what potential harm lurks in the shadows of such mysterious correspondence? Address fraud might sound like the plot of a thrilling crime novel, but for many, it’s a jarring reality. Knowing the signs, understanding the motivations, and arming yourself with prevention strategies can make all the difference. Here’s what you need to know.

What Is Address Fraud?

Address fraud isn’t just about an accidental delivery mistake; it runs deeper and often carries malicious intent. In essence, address fraud is the act of using someone else’s genuine postal address for illegal or deceptive purposes.

This could be to get their hands on goods purchased fraudulently or to intercept someone else’s mail, hoping to glean sensitive information. It’s important to understand that address fraud is not just a minor inconvenience but a serious crime. Those engaged in this illicit activity are banking on individuals being ignorant or passive about these seemingly small red flags.

Yet, these “minor” mishaps can quickly snowball into significant problems if not addressed promptly.

Why Is My Address So Important?

The real weight of an address lies beyond the simple identification of your home’s location. In the vast, interconnected digital and physical world we live in, an address serves as a vital anchor to your identity.

It’s more than just a place where you receive letters or packages — it’s a marker of your existence, your personal history, and even your legal and financial interactions.

Government agencies, businesses, and even personal acquaintances rely on this piece of information to communicate, offer services, and maintain records.

For instance, when you think about it, how many times have you been asked for your address for identification? Whether it’s for a bank account, a driver’s license, or a gym membership, your address continually solidifies your presence and legitimacy in various databases.

Moreover, many benefits, offers, and crucial notifications are routed through your address. If someone else gets a hold of these, or worse, manipulates them, it can lead to serious ramifications.

Missed bills, lost opportunities, or even being wrongly implicated are just the tip of the iceberg. The true cost of address tampering can be extensive, both financially and emotionally.

Why Would Someone Use My Address for Fraud?

Understanding the motives behind address fraud can arm you with the knowledge to stay vigilant and proactive. So, why would someone maliciously use your address?

Fraudulent Post Redirect

A deceptive tool in the scammer’s arsenal, fraudulent post redirects trick individuals into believing they’re interacting with legitimate entities.

These scammers craft posts or emails that appear genuine but redirect unsuspecting victims to fraudulent websites. Once there, individuals might be prompted to enter personal information, leading to potential identity theft or financial loss.

Claiming Benefits Under a False Name

Some fraudsters exploit addresses to claim government or company benefits they aren’t entitled to. By using your address, they hope to slide under the radar, drawing resources away from those genuinely in need.

Covering Up Identity Fraud

Identity theft is a growing concern and using someone else’s address can be a tactic to divert attention. By intertwining their illegal activities with your address, scammers can throw investigators off their trail, all the while building a web of deceit that might implicate innocent individuals.

Avoiding Debt Collection

No one likes persistent calls and letters from debt collectors. Some individuals, in an attempt to escape this, might use someone else’s address to receive these communications, hoping to buy more time or simply to evade repayment.

The reasons might be varied, but the underlying theme is the same: exploitation and deceit.

How Can I Tell if Someone Is Using My Home Address Fraudulently?

The idea that someone might be misusing your home address is daunting, but recognizing the signs is the first step in combating this fraudulent activity. Here’s how you can uncover the truth.

Be Aware of Changes in Your Regular Mail

The most direct way to spot potential address fraud is by keeping an eye out for changes in your regular mail. If there’s an abrupt stop in receiving your usual letters or bills, or an unexpected surge of unfamiliar ones, this could be a red flag.

Stay On Top of Your Credit Report

One way to dive deeper is by checking your credit report. Your addresses, past and present, are often listed here. An unexpected address could indicate that someone is using your name along with another address for deceitful purposes. With IdentityIQ credit monitoring services, you get alerted in real-time when significant changes are made to your credit report profile.

Take Advantage of USPS’s “Track and Confirm” Tool

Additionally, the United States Postal Service (USPS) offers a nifty tool called “Track and Confirm.” This service provides insights into your mail’s movement and notifies you if someone has filed a change of address form in your name. However, you would need the tracking number of your parcel to access this service.

Don’t Ignore Getting Wrong Mail

Every so often, everyone receives a letter or package intended for someone else – it’s typically a harmless mistake. However, if it becomes a recurring theme, especially from various senders or companies, it’s important to act.

Before jumping to conclusions, consider reaching out to the sender. They may have an outdated address for the intended recipient. If you don’t recognize the name or company, however, it may be time to investigate further.

Other Signs of Address Fraud

Recognizing potential address fraud isn’t always as straightforward as spotting incorrect mail. Here are some subtler signs that something might be amiss:

Unexpected Bills or Financial Statements

If you start receiving bills for services you haven’t subscribed to, or financial statements from banks or credit card companies you don’t have an account with, this is cause for concern. Someone may have used your address (and potentially other personal information) to open accounts or purchase goods.

Calls or Letters from Debt Collectors

Receiving communication from debt collectors about outstanding bills or debts that you don’t recognize can be alarming. This could be a sign that someone has used your address to evade their financial obligations.

Unfamiliar Registrations or Subscriptions

Have you ever received magazines, newsletters, or other subscriptions you never signed up for? While it could be a marketing strategy, if they’re addressed to a different name (but delivered to your address), it’s worth looking into.

Communication from Government Agencies

Letters from government agencies about benefits, taxes, or other official matters that don’t relate to you could indicate someone is using your address for fraudulent activities.

Mismatched Return Addresses

Pay attention to the return address on envelopes, especially if it’s from a company or organization you’re familiar with. If the return address seems off or doesn’t match the known address of that entity, it could be a deceitful attempt to gather information or payments from you.

In these situations, vigilance is your best defense. It’s easy to dismiss unfamiliar mail as harmless errors, but if you notice a pattern or have an uneasy feeling about the correspondence, take it seriously.

Problems Caused by Someone Using Your Address

When someone uses your address without your consent, it’s not just an infringement on your privacy – it can lead to tangible problems. The continuity of your mail and package delivery might be interrupted, which can be especially problematic if you’re expecting important documents or time-sensitive items.

Further, receiving calls or surprise visits from debt collectors, or other individuals trying to locate the person illicitly using your address, can be both unnerving and inconvenient. If you find yourself in such a predicament, it’s important to notify both the police and your local post office immediately.

How to Stop Someone from Using Your Address

Protect Your Identity

Initiate the process by updating your address with relevant institutions. Placing a fraud alert on your credit file serves as a warning to creditors, instructing them to be cautious before greenlighting new credit requests under your name. Consulting a lawyer can further shed light on legal actions you might pursue.

Identity monitoring also is essential. Using a IdentityIQ identity theft protection services allow you to keep an eye on your identity. You receive alerts for possible suspicious activity involving your personal data.

Preview Your Mail

The USPS offers an “Informed Delivery” service that enables you to digitally preview your incoming mail and manage your packages.

Refuse Unwanted Mail

When dealing with unwanted mail, there are a couple of avenues available. You can decline to accept it or get in touch with the sender directly to halt future mailings. If an unwarranted package arrives, follow this protocol:

  • Ensure the package remains unopened, retaining its original contents.
  • Inscribe “REFUSED” on it, alongside the sender’s address.
  • Head to your closest post office.
  • The postal service will oversee its return, billing the sender for the return postage.

Alert Companies That Send You Someone Else’s Mail

Receiving mail not intended for you can be rectified by informing the dispatching company. This not only stops future mistaken deliveries but also ensures the rightful recipient gets their mail.

Apply for a Prohibitory Order Against the Sender (If Applicable)

In instances of harassment, you can file for a prohibitory order against the perpetrator via your local police department.

File a Complaint with Your Local USPS Office

Address issues by lodging a complaint with your nearby USPS office, either in person or over the phone. Remember to furnish them with pertinent details, including your contact information and the nature of your grievance.

Report a Scam or Mail Fraud With the USPIS

Encountered an email scam or suspect mail fraud? The United States Postal Inspection Service (USPIS) is equipped to handle such reports. As the USPS’s enforcement wing, they specialize in probing mail and email fraud allegations.

Scrub Your Address from Public Sites

To remove your address from public websites, approach the site administrators directly or utilize platforms that can help expunge your details from public databases.

Shred Documents Containing Personal Information

Bolster your defense against identity theft by diligently shredding documents bearing personal details, be it bank communication, utility bills, or credit card statements.

Report Address Fraud

If you suspect you’re a victim of identity theft or another form of fraud, immediately report it to the FTC. The complaint can be lodged online at ftc.gov or via phone at 1-877-IDTHEFT (438-4338). Ensure you’re prepared with personal details and specifics about the incident, encompassing the date, the fraud’s nature, and the method of execution.

Address Change Monitoring

IdentityIQ offers real-time change of address alerts so you can act fast if someone changes your address fraudulently.

FAQs About Address Fraud

Is It Illegal for Someone to Use Your Address?

The matter of someone using your address sits in a legal gray area. Broadly speaking, merely using another person’s address isn’t necessarily illegal on its own. But intentions matter. If someone is using your address for deceitful purposes, they may run afoul of fraud laws or other statutes.

If someone is caught physically on your premises without permission, they might face trespassing charges. In situations where you incur damages or losses due to someone using your address, a civil lawsuit might be an appropriate course of action.

Can Someone Change Your Address Without Your Knowledge?

Technically, someone can attempt to change of your address without your knowledge, but it is not straightforward. They would require access to your mail, which could be achieved either by intercepting it personally or employing someone else to do so. Additionally, the individual would need knowledge of your new intended address.

The USPS has measures in place to help prevent unauthorized address changes, such as sending confirmation letters to both the old and new addresses. This acts as a safeguard, ensuring that the actual resident is aware of address changes.

Can I Keep a Package That Was Delivered to My Address by Mistake?

Receiving a package that wasn’t intended for you might raise ethical and legal questions. Ethically, the right course of action is to reach out to the sender or the delivery service to notify them of the mistake.

Legally speaking, keeping a package that you know isn’t yours could be considered theft or misappropriation of property in some jurisdictions. While you might be tempted to keep an unordered item, it’s best to act in good faith and ensure that packages find their way to their rightful owners, especially if it seems to be an honest mistake.

The post Help! Someone Is Using My Home Address Fraudulently. What Now? appeared first on IdentityIQ written by Kelly Baker

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What Is Spear Phishing and How to Avoid It https://www.identityiq.com/scams-and-fraud/what-is-spear-phishing-and-how-to-avoid-it/ Wed, 14 Feb 2024 21:21:44 +0000 https://www.identityiq.com/?p=6601 What Is Spear Phishing and How to Avoid It
IdentityIQ

Have you ever clicked a suspicious link or opened an unexpected attachment, only to realize it was a scam? The internet, brimming with information and opportunity, can also be dangerous. That's where spear phishing comes in – a particularly cunning form of online deception. This targeted cyberattack preys on your trust and knowledge, manipulating [...]

The post What Is Spear Phishing and How to Avoid It appeared first on IdentityIQ written by Kelly Baker

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What Is Spear Phishing and How to Avoid It
IdentityIQ

Have you ever clicked a suspicious link or opened an unexpected attachment, only to realize it was a scam? The internet, brimming with information and opportunity, can also be dangerous. That’s where spear phishing comes in – a particularly cunning form of online deception. This targeted cyberattack preys on your trust and knowledge, manipulating your vulnerabilities to steal sensitive information.

What Is Spear Phishing?

Spear phishing is a targeted form of cybercrime that focuses on specific individuals or organizations.

Unlike traditional phishing, in which a scammer sends generic emails to large groups of people, spear phishing emails are personalized to appear as if they come from a trusted source, such as a colleague. This makes them much more likely to be successful, as the recipient is more likely to let down their guard and click on malicious links or attachments.

What’s the Difference Between Spear Phishing and Phishing?

Traditional Phishing

Traditional phishing is a widespread cyberattack tactic that targets large groups of people. The attackers often rely on purchased mailing lists or scraped data to compile a broad audience.

The approach involves mass email campaigns featuring generic lures, such as fake prizes, urgent warnings, or financial threats. Grammatical errors, suspicious domain names, and inconsistencies typically characterize the content of these phishing attempts.

The success of regular phishing campaigns is lower, as they depend on a small percentage of recipients falling for the bait.

Here’s a breakdown of traditional phishing:

  • Target: Large groups of people, often using purchased mailing lists or scraped data.
  • Approach: Mass email campaigns with generic lures such as fake prizes, urgent warnings, or financial threats.
  • Content: Often riddled with grammatical errors, suspicious domain names, and inconsistencies.
  • Success Rate: Lower, relies on a small percentage of victims falling for the bait.

Spear Phishing

In contrast, spear phishing is a more targeted and sophisticated form of cyberattack.

Unlike regular phishing, spear phishing narrows its focus to specific individuals or organizations. The selection process involves meticulous research and social engineering to help identify potential targets.

The approach is highly personalized, with attackers crafting emails or messages tailored to the target’s interests, projects, or personal details. The content of spear phishing attempts is typically professionally written, often including accurate logos, language, and urgency based on the target’s specific context.

Since spear phishing exploits trust and familiarity to make it harder to detect, the success rate is higher.

Here’s a breakdown of spear phishing:

  • Target: Specific individuals or organizations, meticulously selected through research and social engineering.
  • Approach: Highly personalized emails or messages tailored to the target’s interests, projects, or personal details.
  • Content: Professionally written, with accurate logos, language, and urgency based on the target’s specific context. It feels familiar and legitimate, such as a message from a trusted colleague.
  • Success Rate: Higher, exploits trust and familiarity, making it harder to detect and avoid.

Tips to Help Avoid Spear Phishing

1.   Scrutinize the Sender

  • Check email addresses closely. Don’t be fooled by slight variations in spelling or domain names. Hover over the sender’s name to see the actual email address displayed.
  • Beware of familiar names. Attackers often spoof emails from colleagues or managers. Verify their identity through a trusted channel, such as a phone call.
  • Research unexpected contacts. If you don’t recognize the sender, investigate their legitimacy before engaging. A quick online search can often reveal red flags.

2.   Analyze the Message

  • Be wary of urgency or pressure tactics. Legitimate emails rarely resort to scare tactics or deadlines to force action.
  • Question suspicious attachments or links. Only download or click on something if you’re 100% sure about its origin. Hover over links to see the actual destination URL and look for inconsistencies or red flags.
  • Spot grammatical errors. Professional organizations typically have good writing standards. Unusual typos or phrasing can be red flags.

3.   Strengthen Your Defenses

  • Enable two-factor authentication (2FA). It adds an extra layer of security beyond passwords.
  • Keep software updated. Install security patches promptly for operating systems and applications.
  • Report suspicious emails. Forward them to your IT department or the organization the email claims to be from.

FAQs About Spear Phishing

What information do spear phishers typically target?

Spear phishers aim to gather specific information, such as login credentials, financial data, or confidential business information. They may also seek to install malware on the target’s system.

How do attackers gather information for spear phishing?

Attackers often research their targets using publicly available information, social media profiles, company websites, and other online sources. This helps them craft messages that can appear legitimate and relevant to the target.

How can I defend against spear phishing?

Best practices include being cautious of unsolicited emails, verifying sender identities, avoiding clicking suspicious links or downloading attachments from unknown sources, and implementing email security measures such as spam filters.

What should I do if I suspect a spear phishing attempt?

If you suspect a spear phishing attempt, do not click on any links or download attachments. Verify the legitimacy of the email by contacting the sender through a trusted method. If this happens in the workplace, report the incident to your organization’s IT department.

Bottom Line

While regular phishing targets large groups of people, spear phishing narrows its focus, utilizing personalized and professionally crafted messages to exploit specific individuals or organizations.

To help avoid falling victim to spear phishing, it’s important to adopt essential measures, such as verifying the person sending the email, analyzing messages for inconsistencies and red flags, and strengthening your defenses.

For added protection against spear phishing and identity theft, use IdentityIQ identity theft protection services. IdentityIQ identity theft protection services actively monitor your personal information across the web, alerting you in real-time when suspicious activity is detected.

The post What Is Spear Phishing and How to Avoid It appeared first on IdentityIQ written by Kelly Baker

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How to Get an IP PIN for Your Child https://www.identityiq.com/education/how-to-get-an-ip-pin-for-your-child/ Fri, 26 Jan 2024 18:37:22 +0000 https://www.identityiq.com/?p=6597 How to Get an IP PIN for Your Child
IdentityIQ

Now more than ever, protecting your personal information from getting into the wrong hands is crucial. For parents, this responsibility extends to their children, especially when it comes to financial matters such as taxes. Research shows that child identity fraud costs U.S. families nearly $1 billion annually and affects one out of every 50 [...]

The post How to Get an IP PIN for Your Child appeared first on IdentityIQ written by Kelly Baker

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How to Get an IP PIN for Your Child
IdentityIQ

Now more than ever, protecting your personal information from getting into the wrong hands is crucial. For parents, this responsibility extends to their children, especially when it comes to financial matters such as taxes.

Research shows that child identity fraud costs U.S. families nearly $1 billion annually and affects one out of every 50 children. One effective way to help protect your child’s financial security is by obtaining an Identity Protection Personal Identification Number (IP PIN) for them.

In this guide, we explore what an IP PIN is, why it’s important for your child to have one, and how parents can navigate the process of obtaining and managing their child’s IP PIN.

What is an IP PIN?

An IP PIN is a six-digit number assigned by the Internal Revenue Service (IRS) to help prevent identity theft and tax fraud. It acts as an extra layer of security, like a password, that must be entered alongside your Social Security number (SSN) when you electronically file your tax return.

While typically associated with adults, children can also benefit from having their own IP PIN.

Why is an IP PIN Important for Children?

The main benefit of getting an IP PIN for your child is that it helps prevent tax-related identity theft. Without an IP PIN, a child’s SSN could be used to file a fraudulent tax return, stealing potential returns and leaving them with tax debts.

How to Obtain an IP PIN for Your Dependent

Acquiring an IP PIN for your child is a fairly straightforward process. Here’s what you need to do:

Online Method

IRS “Get an IP PIN” Tool:

  • Navigate through the steps involved in using the online tool.
  • Provide the necessary information for identity verification.
  • Implement security precautions to ensure a safe online experience.

Alternatives to the Online Method

If you can’t use the online tool, you have the option to mail in Form 15227, Application for an Identity Protection Personal Identification Number.

According to the IRS, to use the mail method you must have the following:

Once you submit the form and the IRS receives it, they will call to verify your child’s identity. Once verified they will mail you the IP PIN via the U.S. Postal Service, typically within four to six weeks.

Alternatively, you can schedule an in-person appointment at your local Taxpayer Assistance Center. Be prepared to bring the necessary documentation to verify your child’s identity. According to the IRS, you need one current government-issued picture identification document and another identification document.

What to Do After Receiving Your Child’s IP PIN

After obtaining your child’s IP PIN, follow these steps:

  • Securely store the IP PIN to help prevent unauthorized access.
  • Share the IP PIN only with trusted individuals when necessary.
  • Understand how to incorporate the IP PIN into the tax filing process.
  • Ensure that the correct IP PIN is used each year.
  • Be proactive in updating relevant information if circumstances change.

Keep in mind that the IRS will never ask for your IP PIN through phone calls, emails, or texts. If this happens to you, it can be a scam aimed at stealing your personal information.

FAQs

What is an IP PIN?

An IP PIN is a 6-digit number assigned by the IRS to help prevent identity theft and tax fraud.

Why is an IP PIN important for children?

It helps prevent tax-related identity theft, which can steal their refund if they have one or leave them with tax debts.

Do all children need an IP PIN?

Not necessarily. If your child doesn’t have income or isn’t claimed as a dependent on someone else’s return, they may not need one.

How can I get an IP PIN for my child?

You can use the IRS online “Get an IP PIN” tool, mail Form 15227, or schedule an in-person appointment at your local Taxpayer Assistance Center.

What do I need to do to apply online?

You’ll need your child’s Social Security number and information for identity verification. If you are applying online be sure to take security precautions, such as avoiding public Wi-Fi.

What should I do after receiving my child’s IP PIN?

Securely store it in a safe place and only share it with trusted individuals when necessary.

How do I use the IP PIN when filing taxes?

You’ll need to enter the IP PIN along with your child’s Social Security number when e-filing their tax return.

Do I need to renew the IP PIN?

Yes, IP PINs expire annually. You’ll need to reapply each year before the filing deadline.

What should I do if my child’s information changes?

Be sure to update the IRS with any changes, such as a name or address change, to ensure their IP PIN remains valid.

Where can I learn more about IP PINs?

Visit the IRS website: https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin

Who should I contact if I have questions?

You can call the IRS at 1-800-908-4490.

Can my child use the same IP PIN every year?

No, the IRS issues a new IP PIN each year for added security. Make sure to use the latest IP PIN provided during the tax filing season.

Bottom Line

Securing an IP PIN for your child is just one step in building a comprehensive cyber-defense for your family. Sign up for family identity theft protection for comprehensive protection against identity thieves this tax season. IdentityIQ family identity theft protection services send you real-time alerts if someone attempts to use your or your children’s personal information.

The post How to Get an IP PIN for Your Child appeared first on IdentityIQ written by Kelly Baker

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Top 10 IdentityIQ Blog Posts of 2023 https://www.identityiq.com/featured-articles/top-10-identityiq-blog-posts-of-2023/ Tue, 23 Jan 2024 17:40:55 +0000 https://www.identityiq.com/?p=6592 Top 10 IdentityIQ Blog Posts of 2023
IdentityIQ

Ready to explore the top-performing IdentityIQ blog posts from the past year? Join in as we unveil the top 10, featuring a mix of practical tips and insights. From email security to phone security and beyond, there's something for everyone. Let's dive into a year's worth of knowledge. Top IdentityIQ Blog Posts of 2023 [...]

The post Top 10 IdentityIQ Blog Posts of 2023 appeared first on IdentityIQ written by Kelly Baker

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Top 10 IdentityIQ Blog Posts of 2023
IdentityIQ

Ready to explore the top-performing IdentityIQ blog posts from the past year? Join in as we unveil the top 10, featuring a mix of practical tips and insights. From email security to phone security and beyond, there’s something for everyone. Let’s dive into a year’s worth of knowledge.

Top IdentityIQ Blog Posts of 2023

  1. Tips on How to Mail a Paper Check Safely
  2. What to Do if My Email is Found on the Dark Web?
  3. How Can I Find Out if Someone Is Using My Social Security Number?
  4. What Happens if a Scammer Has Your Email Address?
  5. What Happens if You Open a Spam Email on Your Phone?
  6. How to Not Get Scammed Buying Tickets
  7. Bluetooth Hacks – How Your Devices Are Targeted
  8. What to Do If a Scammer Has Your Phone Number
  9. Protect Your Identity If Your Driver’s License Number Is Lost or Stolen
  10. How Important Are Phone Software Updates?

As you continue into the New Year, it’s essential to maintain a proactive approach to cybersecurity. Embrace a mindset of continuous learning, as staying ahead of potential risks requires ongoing awareness of emerging threats and evolving protective measures.

Consider incorporating regular security check-ups into your routine, reviewing and updating your security settings, passwords, and privacy preferences.

Additionally, share your knowledge and experiences with friends, family, and colleagues. Cybersecurity is a collective effort — raising awareness and fostering a culture of digital hygiene helps contribute to a safer online community for everyone.

Encourage those around you to stay informed, adopt best practices, and remain vigilant against phishing attempts and other cyber threats.

Bottom Line

Looking ahead, IdentityIQ identity protection services can help provide you with timely, relevant, and practical tools to navigate the ever-changing landscape of cybersecurity. May this year bring you continued knowledge, resilience, and a heightened sense of security.

The post Top 10 IdentityIQ Blog Posts of 2023 appeared first on IdentityIQ written by Kelly Baker

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Roblox Scams: What Parents Need to Know https://www.identityiq.com/scams-and-fraud/roblox-scams-what-parents-need-to-know/ Mon, 22 Jan 2024 12:00:01 +0000 https://www.identityiq.com/?p=6460 Roblox Scams: What Parents Need to Know
IdentityIQ

By now, you've more than likely heard the cheerful chatter of your child and their friends discussing Roblox and even been nagged on more than one occasion to buy them some Robux. In this vast digital playground, creativity and imagination come to life in the form of games designed by players worldwide. But just [...]

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Roblox Scams: What Parents Need to Know
IdentityIQ

By now, you’ve more than likely heard the cheerful chatter of your child and their friends discussing Roblox and even been nagged on more than one occasion to buy them some Robux. In this vast digital playground, creativity and imagination come to life in the form of games designed by players worldwide. But just as the real world has its pitfalls, so does the virtual one.

With over 214 million monthly active users, you can’t be sure everyone on Roblox has good intentions. Gaming scams are skyrocketing, increasing 60.3% in the United States alone. What if your child was falling victim to one, would you know the signs? As a parent, educating yourself about these dangers can be crucial to help protect your child’s online safety.

Keep reading as we arm you with the knowledge needed to help ensure your child’s online safety when playing Roblox.

What Is a Roblox Scam?

Roblox isn’t just a game, it’s a global phenomenon. With its skyrocketing popularity it attracts millions worldwide, offering a vast expanse of digital worlds and arenas where players can design, share, and participate in an endless array of games. However, its immense global reach can also make it a magnet for scammers.

A considerable portion of Roblox’s demographic consists of younger players who might not always have the discernment to recognize deceitful tactics. With their predatory nature, scammers are often drawn to platforms like these, seeing children as easier targets for their deceptive schemes.

The innocence and eagerness of young players combined with their potential lack of online street smarts can make them vulnerable to various scams. Now more than ever, it’s crucial for parents to be both informed and vigilant. Understanding the landscape of Roblox and its potential pitfalls is the first step to help ensure your child navigates this digital world safely.

Poison PDFs and Roblox Scams

There are a wide variety of Roblox scams out there, but few are as predatory as poison PDFs.

These insidious files, designed to rank high in search engine results, promote tantalizing offers like “free Fortnite skins,” generators for Roblox’s in-game currency, and budget-friendly streams of popular films. Regardless of their pitch, they all seem to have one primary goal: to catch the eyes of those searching for these buzzwords.

What makes these deceptive PDFs particularly troubling is that they can infiltrate your online experience without the need for active Roblox gameplay or even logging into the game. However, clicking on them takes you to other websites that coax you into sharing personal information, like your credit card details.

Common Roblox Scams

Scammers, capitalizing on the innocence or naivety of players, have devised numerous tactics to defraud them in Roblox.

To help keep you informed, here’s a look at some of the most common scams that Roblox players might encounter:

Free Robux Generators

The allure of “free Robux” has led many players down a perilous path. Scammers advertise tools or “generators” that they claim can produce unlimited in-game currency.

The catch here? Users are typically required to complete surveys or download suspicious software. What follows isn’t a generous supply of Robux, but instead might be data theft, malware infections, or compromised accounts.

Item Trading Scams

Roblox’s thriving marketplace for in-game items has unfortunately not gone unnoticed by scammers. With trading scams, malicious users promise to trade coveted items, drawing players into a false sense of security that they’re going to get what’s advertised.

But, in a classic bait-and-switch, the bad actors swap out the promised valuable items with inferior ones at the very last second, often leaving innocent players with items of lesser value or nothing at all.

Fake Giveaways

The idea of winning a giveaway, especially one hosted by a reputed Roblox user or developer, is undeniably attractive. Unfortunately, many scammers exploit this, impersonating these trusted figures and announcing too-good-to-be-true giveaways.

Excited and hopeful participants then may be coaxed into sending Robux, or even more dangerous, personal information. The promised prize, unsurprisingly, remains a mirage.

Phishing Scams

One of the oldest tricks in the digital scamming book, phishing, remains a potent threat. Crafty scammers design websites that bear an uncanny resemblance to official Roblox pages.

Unsuspecting users, thinking they’re on a legitimate site, happily key in their login details, walking straight into the scammer’s trap. Phishing isn’t confined to just websites. Players might receive seemingly official emails or messages prompting them to share sensitive information or login credentials.

How to Help Protect Your Children from Roblox Scams

Exploring Roblox, with its vast and near limitless avenues for creativity and expression, is a delightful experience for many children nowadays. Yet, like many online platforms it can come with its set of challenges and risks. As guardians of our children’s safety, it’s essential to arm them with the tools and knowledge they need to play confidently and securely.

Step 1: Communicate

Building trust is the first step to help keep your children safe online. To start, initiate heartfelt discussions with your child about their online experiences, and make sure they know they can approach you with any uncertainties or concerns they encounter in Roblox. Creating this open channel can help ensure they’ll share potential issues they face.

Step 2: Educate

When it comes to online gaming, never forget that information is a powerful shield in defending yourself. Try to familiarize your child with the scams and pitfalls they might encounter within the world of Roblox. They can be better equipped to identify and avoid suspicious offers or behaviors when they’re aware of the potential dangers.

The age-old lesson of being cautious around strangers still holds true in the world of Roblox, so don’t forget to stress the importance of never divulging personal information, avoiding private chats with unknown players, and being selective with friend requests.

Step 3: Activate Two-Factor Authentication

Today’s digital security requires more than just a password, so consider boosting your child’s account safety by activating two-factor authentication (2FA) on Roblox. This extra layer of security when logging in, which might involve a code sent via email or text, adds a barrier against unauthorized access attempts.

Step 4: Adjust Privacy Settings

Try to schedule regular sessions to go through the account’s security and privacy settings with your child. Adjusting these settings to match their growing needs and your comfort level can help teach them the importance of online privacy, setting the foundation for responsible digital behavior.

Step 5: Set Boundaries

Remember that virtual currencies and economies can be enticing. As they come across in-game items and Robux, it’s an opportune time to discuss the real-world implications of online transactions. Make sure you set clear boundaries, discuss the value of money, and consider setting an in-game spending limit.

Bottom Line: Help Protect Your Children from Roblox Scams

Our children’s safety, both online and offline, always remains a top priority. In the face of emerging and evolving threats like Roblox scams, safeguarding your family’s identity is more important than ever.

For a comprehensive protection solution, enlist the help of IdentityIQ identity theft protection services. Their robust family identity theft protection services offer tools and resources to monitor, alert, and restore if identity theft occurs, ensuring peace of mind for you and your loved ones.

The post Roblox Scams: What Parents Need to Know appeared first on IdentityIQ written by Kelly Baker

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Is Identity Theft Protection Worth It? https://www.identityiq.com/identity-theft/is-identity-theft-protection-worth-it/ Wed, 10 Jan 2024 22:04:03 +0000 https://www.identityiq.com/?p=6571 Is Identity Theft Protection Worth It?
IdentityIQ

Your identity is your most valuable asset – and thieves want it. As identity theft cases rise, the question on many minds is, "Is identity theft protection worth the investment?" Let's break it down: what these services offer, how they help, and if the peace of mind is worth the price tag. What Do [...]

The post Is Identity Theft Protection Worth It? appeared first on IdentityIQ written by Kelly Baker

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Is Identity Theft Protection Worth It?
IdentityIQ

Your identity is your most valuable asset – and thieves want it. As identity theft cases rise, the question on many minds is, “Is identity theft protection worth the investment?” Let’s break it down: what these services offer, how they help, and if the peace of mind is worth the price tag.

What Do Identity Theft Protection Companies Do?

Would you pay to help protect your most prized possession? Your home? Your car? What about your identity? That’s where an identity theft protection company can help.

Identity theft protection services play a crucial role in helping protect personal information. They use various tools and technologies to help ensure comprehensive protection, including:

1.   Monitoring Personal Information

For identity thieves, your personal information is valuable. Identity theft protection services keep constant tabs on sensitive data like your Social Security number and credit card details. Unauthorized use triggers real-time alerts, allowing for a quick response to potential threats.

2.   Scanning Dark Web Activities

Ever heard of the dark web? Chances are your personal information is floating around there, being traded or sold. IdentityIQ identity theft protection services use cutting-edge technology to scan the dark web, finding instances where your personal details might be exposed.

3.   Credit Monitoring

Identity theft protection services keep an eye on your credit report, spotting possible suspicious activities such as unauthorized inquiries or new accounts and alerting you right away.

Is Identity Theft Protection Worth the Price?

Deciding whether identity theft protection is worth the price tag takes more than a simple cost-benefit analysis. Ultimately, the decision of whether identity theft protection is worth the price depends on your individual risk factors and the value you place on peace of mind, convenience, and expert assistance.

Here’s a more comprehensive look at the factors to weigh:

Financial Repercussions

Direct Losses: This includes stolen funds, unauthorized credit card charges, fraudulent loans, and even tax refund theft. The average out-of-pocket cost of identity theft in the United States is more than $1,500, not to mention the time and emotional toll. Identity theft protection services can alert you to possible suspicious activity early, helping minimize financial damage.

Credit Score Impact: Identity theft can wreak havoc on your credit score, often impacting your ability to secure loans, rent apartments, and even get certain jobs in select states. Repairing poor credit can take months, even years. Identity theft protection services can help monitor your credit reports for inaccuracies and fraudulent activity, mitigating the long-term damage.

Hidden Costs: Beyond immediate financial losses, identity theft can involve legal fees, lost wages due to time spent resolving the issue, and even therapy to cope with the stress and emotional trauma. Identity theft protection services can offer legal assistance and resources to help expedite the recovery process, saving you both time and money.

Peace of Mind

Proactive Vigilance: Knowing your identity is actively monitored can bring significant peace of mind. Identity theft protection services provide constant vigilance, offering a safety net that lets you focus on your life without fearing constant exposure.

Early Detection: Early detection is key to minimizing damage. An identity protection service can alert you to possible suspicious activity on your accounts, credit reports, and even the dark web, allowing you to take quick action before scammers cause a major negative impact.

Reduced Stress and Anxiety: The fear of identity theft can be a constant source of stress and anxiety. Knowing you have an extra layer of protection can significantly help reduce these anxieties, promoting well-being and improved quality of life.

Time and Effort Saved

Resolution Assistance: Dealing with the aftermath of identity theft can be a complex and time-consuming process. An identity protection service can handle much of the heavy lifting, from contacting creditors and credit bureaus to disputing fraudulent charges and restoring your identity. This saves you valuable time and energy, allowing you to focus on recovering emotionally and financially.

Expert Guidance: Navigating the intricacies of identity theft recovery can be overwhelming. IdentityIQ identity protection services provide expert guidance and support throughout the process, ensuring you take the right steps to restore your good standing and help prevent future incidents.

Convenience and Automation: These services often offer automated tools and features that simplify tasks like credit report monitoring and account alerts. This saves you the hassle of manually checking your accounts and settings, streamlining your security routines.

Benefits of Identity Theft Protection Services

Let’s take a deeper dive into some key benefits identity theft protection services offer:

Early Detection and Alerts

Stay informed through real-time notifications of potentially fraudulent activity such as unauthorized credit card charges, new account openings, and other possibly suspicious activity. This enables swift action to help minimize damage and prevent further exploitation.

Gain peace of mind with 24/7 surveillance across multiple platforms, including:

  • Credit Reports: Track changes in credit scores and credit report information for early signs of identity theft.
  • Financial Accounts: Monitor bank accounts, credit cards, investment accounts, and other sensitive financial data for unusual transactions.
  • Social Media: Detect unauthorized account access or possible suspicious activity on social media profiles that could signal identity compromise.
  • Dark Web: Scan the dark web for personal information being traded or sold to help prevent potential misuse.

Identity Theft Insurance

Mitigate the financial burden of recovery with comprehensive insurance, underwritten by AIG, that can cover:

  • Lost wages due to time spent resolving the issue.
  • Legal fees incurred during the recovery process.
  • Costs associated with restoring credit and reputation.
  • Expenses related to travel and identity document replacement.

IdentityIQ identity theft protection services cover up to $1 million in losses for the primary policyholder, underwritten by AIG. This insurance covers losses from stolen identity, including money taken from unauthorized bank transfers, legal fees to fix the problem, and lost wages (up to $1,500 per week) for five weeks while you get things sorted out.

Expert Recovery Services

Benefit from the expertise of dedicated case managers who provide personalized support throughout the recovery process, including:

  • Step-by-step guidance on dispute resolution.
  • Assistance with credit bureau inquiries and dispute filing.
  • Comprehensive advice on credit repair and reputation management strategies.

Expedite the resolution of complex issues with specialized services that tackle:

  • Closure of fraudulent accounts.
  • Dispute of unauthorized charges and credit report inaccuracies.
  • Removal of inaccurate information from public records.
  • Identity document replacement and restoration.

Think you’ve been a victim of identity theft? Don’t wait. The dedicated U.S.-based case managers offered with IdentityIQ identity theft restoration services personally guide you through recovery, building custom plans for every situation.

Bottom Line

With identity theft on the rise, protecting your most valuable asset – your identity – is no longer optional. Identity theft protection services offer constant monitoring, proactive dark web scanning, and credit report surveillance. They detect threats before they wreak havoc, often saving you time, money, and emotional distress.

Beyond financial protection, these services provide expert guidance and convenient tools to help you navigate the recovery process should the unthinkable happen.

Invest in peace of mind and secure your future – explore identity theft protection today. For those seeking a reliable identity theft protection service, IdentityIQ offers comprehensive protection services along with financial wellness tools, ensuring a complete approach to protecting your identity.

The post Is Identity Theft Protection Worth It? appeared first on IdentityIQ written by Kelly Baker

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How to Help Avoid Holiday Scams This Season https://www.identityiq.com/newsroom/how-to-help-avoid-holiday-scams-this-season/ Wed, 22 Nov 2023 20:12:18 +0000 https://www.identityiq.com/?p=6523 How to Help Avoid Holiday Scams This Season
IdentityIQ

Scammers take advantage of those who want to give during the holiday season, warns Credit & Debt CEO Jeff Mandel in an interview with LiveNOW from Fox. Credit & Debt is a financial planning brand under parent company IDIQ, which offers industry-leading identity theft protection and credit monitoring products through their IdentityIQ and MyScoreIQ [...]

The post How to Help Avoid Holiday Scams This Season appeared first on IdentityIQ written by Kelly Baker

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How to Help Avoid Holiday Scams This Season
IdentityIQ

Scammers take advantage of those who want to give during the holiday season, warns Credit & Debt CEO Jeff Mandel in an interview with LiveNOW from Fox.

Credit & Debt is a financial planning brand under parent company IDIQ, which offers industry-leading identity theft protection and credit monitoring products through their IdentityIQ and MyScoreIQ brands.

“They are doing everything they possibly can to get you to provide your information,” Mandel explained.

What’s worse is that scams are at an all-time high during the holiday season. A new study reveals that 81% of US consumers see an uptick in cybercriminal activity during the holiday season.

Consumers may fall victim to a variety of scams this holiday season, which can come in the form of charity scams, phishing websites, fake shipping notifications, misleading social media ads, solicitations for free gift cards, and even puppy scams.

For many consumers, the harsh reality is that they don’t know what to look for when it comes to holiday scams. In fact, according to the AARP, most consumers ages 18 and older are wrong or unsure about certain safe shopping practices.

Mandel reveals how consumers can help protect themselves from scams this holiday season.

Tips to Help Avoid Holiday Scams

1. Be Extra Cautious About Transactions

Be extra cautious in all your holiday transactions. Consider using cash for in-person purchases. For online purchases, rely on legitimate payment methods like credit cards.

You should also be wary of scammers attempting to emulate popular payment app services such as Zelle and PayPal.

2. Verify the Legitimacy of Emails

Email scams are a common tactic used by scammers during the holidays, so you should always take the time to verify the legitimacy of emails or messages you receive.

Be on the lookout for fake emails that appear to be from reputable companies like FedEx. Hover over sender names to check for misspellings or suspicious variations.

It’s important to take your time verifying the sender’s identity, especially if it’s someone you haven’t interacted with before.

If an email takes you to a website, scrutinize the quality of the website to make sure it’s legitimate, and use your common judgment before providing personal information.

You should also keep in mind that real companies usually don’t request sensitive information through email.

3. Use an Identity Monitoring Service

Mandel’s top advice for protecting your personal information is to use an identity monitoring service. IdentityIQ delivers industry-leading protection to help cover you if your private information falls into the hands of a scammer.

IdentityIQ can help protect you from identity theft by monitoring your personal information and alerting you to suspicious activity. Taking quick action with the help of an identity monitoring service can help minimize the potential damage caused by a security breach.

4. Avoid Public Wi-Fi

Public Wi-Fi may be convenient, but it’s also a hotspot for potential threats. Whenever possible, avoid using public Wi-Fi, especially when entering sensitive information like credit card details.

If you find yourself in a situation where using public Wi-Fi is necessary, be careful about what you’re doing online. The best practice is to avoid accessing sensitive accounts or making financial transactions that could potentially give scammers insight into your sensitive information or passwords.

The post How to Help Avoid Holiday Scams This Season appeared first on IdentityIQ written by Kelly Baker

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How to Help Avoid Holiday Credit Card Fraud https://www.identityiq.com/scams-and-fraud/help-avoid-holiday-credit-card-fraud/ Fri, 27 Oct 2023 12:00:24 +0000 https://www.identityiq.com/?p=6499 How to Help Avoid Holiday Credit Card Fraud
IdentityIQ

The holiday season is the perfect time of the year to buy presents for your friends and family, but it's also a time when credit card fraud is at an all-time high.  In fact, studies have shown roughly 25% of people fall victim to credit card fraud during the holidays. Because of how common [...]

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How to Help Avoid Holiday Credit Card Fraud
IdentityIQ

The holiday season is the perfect time of the year to buy presents for your friends and family, but it’s also a time when credit card fraud is at an all-time high.  In fact, studies have shown roughly 25% of people fall victim to credit card fraud during the holidays.

Because of how common credit card fraud is during the holiday season, it’s important to understand what holiday credit card fraud is, how it can happen, and how to help protect yourself.

What Is Holiday Credit Card Fraud?

As the name implies, holiday credit card fraud is when you become a victim of credit card fraud during the holiday season. Credit card fraud, in general, is when someone masquerading behind another’s identity makes purchases using their credit card information.

They can do this using your physical card or stealing your credit card number and PIN.

Regardless of how or when it happens, credit card fraud is a form of identity theft because someone uses your personal and financial information to buy things without your permission.

As such, it’s a serious crime that is getting easier and easier to fall victim to.

Types of Credit Card Fraud

Another factor that makes holiday credit card fraud so common is that there are multiple ways it can happen. Of those many ways, they can get thrown into two categories:

Card Present Fraud

Card present fraud refers to when someone steals or finds your physical credit card and uses it to make purchases.

Card Not Present Fraud

Card not present fraud refers to when someone steals your credit card information and uses it to make purchases. This type of fraud is most common with online shopping, phone transactions, or text and email scams.

Common Methods Used by Fraudsters

Phishing Scams

With phishing scams, fraudsters generate scam emails, text messages, or phone calls designed to trick you into revealing your credit card information. They have many ways of getting a hold of your phone number and email address, and once they have it, they can send you deceptive messages at will.

Charity and Investment Scams

Scammers understand that the holiday season is a time when people are feeling more generous and looser with their money than usual. As such, they set up fake charities requesting donations. Common reasons for needing money include medical or legal bills or funding for an investment opportunity.

Skimming Devices

Fraudsters can also use a skimming device to steal credit card information. The “skimmer” gets installed illegally on ATM machines, gas station pumps, and credit card scanners. When you insert or swipe your credit card to pay for something, the card information is recorded by the skimmer which gives its user access to your credit card.

Online Shopping Fraud

Of all the potential scams during the holiday season, online shopping fraud is perhaps the most rampant. This type of fraud happens when you make purchases online and someone steals your credit card information.

In most cases, this happens from making purchases on fake websites or online stores.

Romance Scams

Another way that fraudsters steal funds is through romance scams. Romance scams are where people on dating or social websites become involved with you and strike up a relationship during the holiday season.

Upon befriending you, the person may then ask for money and either guilt or provoke you into giving it to them.

To highlight just how serious these types of scams are, consider a recent report from the Federal Trade Commission. According to its findings, romance scams consistently report upwards of $100,000 in losses, with the average person losing $4,400.

These numbers make romance scams one of the most lucrative forms of fraud around. Because many people give money using their credit cards, romance scams are a form of credit card fraud.

Impact of Holiday Credit Card Fraud

Being the victim of identity theft and credit card fraud during the holiday season is no laughing matter. According to a study by the advisory firm Javelin, consumers lost $43 billion to identity fraud last year. Of that $43 billion, the Federal Trade Commission reported that just under $9 billion was directly related to credit card fraud.

Credit card fraud is never convenient, but it’s especially troubling during the holiday season. In addition to losing money that could be spent on vacations, presents, and other activities, credit card fraud cases are difficult to address during Christmas because banks and the major credit bureaus — TransUnion®, Experian®, and Equifax® — are often closed.

As such, holiday credit card fraud can quickly suck the joy and spirit out of the holiday season.

Tips to Help Prevent Holiday Credit Card Fraud

Even the most vigilant among us can fall victim to a scam resulting in credit card fraud. Therefore, it’s essential to be extra cautious during the holiday shopping season.

Here are five great tips to help you prevent credit card fraud this holiday season.

Protect Physical Credit Cards

The first step to help you avoid credit card fraud this holiday season is to protect your physical credit cards. To do this, keep your credit or debit card tucked away securely in your wallet or purse.

It’s also important to keep it in a secure location when you aren’t using it, such as in an RFID-blocking sleeve or wallet. This helps prevent digital theft by blocking the RFID signal a card can emit.

Shop Safely Online

In addition to protecting your physical credit cards, it’s equally as important to protect yourself while making online purchases.

Here are a few tips and tricks to help you protect your hard-earned money.

  • Only shop on secure and credible websites containing an “https” URL.
  • Avoid using easily cracked passwords if you need to set up an online account. To do this, implement varied capitalization use, numbers, and symbols to create your own unique password with every account.
  • Enable two-factor verification.
  • Never use public Wi-Fi networks to make transactions or check your credit information.
  • Use virtual credit cards and accounts, such as Apple Pay, PayPal, or Venmo.

Monitor Accounts

The good news about credit card fraud is that it’s avoidable when you take the right precautions. To do this, you should set up account alerts that watch out for fraudulent activity. You should also watch out for unauthorized charges or changes to your accounts and alert the Identity Theft Resource Center if necessary.

Additionally, use IdentityIQ identity theft protection services to help protect you from credit card fraud and other forms of identity theft.

Be Cautious of Phishing

As we previously mentioned, phishing scams are extremely common during the holiday season. Phishing scams typically manifest as an email or text message where the scammer encourages you to click a link contained within the text.

When you do this, a virus downloads onto your device and allows access to your financial institution or credit accounts. Therefore, you should never click links in an email or text message without first verifying the sender’s identity.

Travel Safely

While credit card fraud is very common, credit cards are actually more secure than most debit cards. Therefore, it’s a good idea to travel with credit cards rather than a debit card since it offers more security and fraud protection.

Bottom Line

Despite your best efforts, it’s still possible to be the victim of credit card fraud. If this happens, you should notify your credit card company or card issuer immediately. You should also initiate a credit freeze to lock down your credit card accounts.

In addition to knowing what to do if credit card fraud has already occurred, it’s important to do everything you can to help protect yourself from it in the first place.

Use IdentityIQ identity theft protection for an additional layer of protection. IdentityIQ notifies you in real-time of possible suspicious activity, unauthorized purchases, and changes to your account.

The post How to Help Avoid Holiday Credit Card Fraud appeared first on IdentityIQ written by Kelly Baker

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6 Ways Parental Controls Help Protect Your Child https://www.identityiq.com/digital-security/6-ways-parental-controls-help-protect-your-child/ Fri, 29 Sep 2023 16:47:14 +0000 https://www.identityiq.com/?p=6473 6 Ways Parental Controls Help Protect Your Child
IdentityIQ

In today's modern world of social media, online gaming with games like Fortnite and Roblox, and online shopping, the internet is easily one of the most valuable assets a child can have. However, it's also potentially one of the most dangerous, depending on what sites they visit and their other activities. While the internet [...]

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6 Ways Parental Controls Help Protect Your Child
IdentityIQ

In today’s modern world of social media, online gaming with games like Fortnite and Roblox, and online shopping, the internet is easily one of the most valuable assets a child can have. However, it’s also potentially one of the most dangerous, depending on what sites they visit and their other activities.

While the internet has many positive qualities, there are certain less savory aspects that most parents don’t want for their children. This includes possible exposure to graphic or mature content, cyberbullying, grooming, or unauthorized online purchases leading to identity theft or credit card fraud.

If you want to help keep your child safe online and prevent these things from happening, you’ve come to the right place. This article explains how parental controls can help protect your child while they’re online, how parental control software works, and how to use it properly.

What Are Parental Controls?

In the olden days, parental controls were settings on your TV that restricted what type of programs your child could watch. While parental control settings are still available for TVs, they’re more commonly used on computers, gaming consoles, smartphones, smart TVs, and other devices with internet access.

The purpose of parental controls is to monitor and manage what your child can do and see while they’re online. While this used to only be available on a device-by-device basis, parental control software now can help protect all devices on a connected network. This means you can monitor, protect, and manage every phone, computer, TV, or console connected to your Wi-Fi.

Why Are Parental Controls Important?

Contrary to what some people might think, parental controls aren’t a way for over-protective parents to control everything their child does and sees on the internet. Instead, parental control is necessary to help protect kids from genuine dangers in the online world.

Here are some of the top reasons parental controls are essential in the modern digital age:

  • Protecting children and teenagers as they interact with other people online. According to the Child Crime and Prevention Center, there are more than 500,000 active online predators daily. While this is horrifying to consider, it’s one of the top reasons parental control is crucial for online protection.
  • Keeping your kids from getting addicted to technology. Roughly 50% of teenagers are addicted to mobile devices, and this doesn’t even take into consideration online gaming and streaming. By setting screen time limits on your children’s devices, you can help prevent this from happening.
  • Restricting access to mature, harmful, or inappropriate content. If you’re worried about your child having access to explicit content, parental controls can help. You can set up content filters to keep your kids off certain sites and from seeing unsuitable content.
  • Using the internet for educational purposes. By not letting your kids access inappropriate content, you can help steer children toward positive, educational online resources.
  • Parental controls can also help keep your kids from using your credit cards or bank account information for online or in-app purchasing without your approval. In addition to saving you money, this could also help prevent identity theft.

In short, parental controls can help give you peace of mind, knowing that the internet is a safer space for your children.

6 Bitdefender® Total Security Parental Controls Offered by IdentityIQ

Now that you have a better idea of the overall scope and purpose of parental controls, let’s look specifically at how parental controls in Bitdefender Total Security offered by IdentityIQ work.

IdentityIQ is best known for its suite of identity theft protection features. On top of these outstanding features, they also provide advanced parental controls through Bitdefender Total Security.

1. See What Applications Your Child Is Using

See all the apps that your child is using. Whether on their phone, computer, tablet, or another connected device, you can see every application and program your kid has downloaded and how often they use it.

Understanding what apps your kids are using can help you to better understand what they’re up to and if they’re in danger. This is especially true with apps you’ve never heard of because you can research the app and determine if it’s age appropriate.

2. Select Content Categories to Keep Away

On a more traditional level, you can adjust parental control settings to restrict specific online search categories and results. This is a great way to ensure your kid only sees age-appropriate content.

3. Access Phone Contacts

Are you worried your kid might be talking to strangers on social media, chat websites, social networks, or through text messages? If so, you’ll appreciate that you can see who your child has in their contacts list. That way, if they add someone new you’ll notice it and you can ask them about the person in question.

4. Track Their Location

Whether you’re worried about your kid sneaking out after dark or venturing somewhere they ought not to be, tracking your child’s location can offer peace of mind to parents.

For example, if your kid leaves the house, you can make sure they arrive safely at their destination. When they do, your child will let you know they’re safe through the “Safe Check-In” feature. This will help keep you from wondering if they’re safe.

5. Check How Much Time Your Child Spends on a Device

You can monitor your child’s screen time, whether on their phone, computer, or gaming console. As we said before, social media, phone, and gaming addiction is at an all-time high, and it’s in your child’s best interest to be protected from technology addiction.

In addition to seeing how much time your kid spends online, you can set up screen time limits if you think your kids spend too much time on their devices. Limiting screen time is a great way to help encourage your kids to spend time outdoors, increase their physical activity, and find other ways to spend their time.

6. Summary of Online Activity

Finally, parental controls are a great way to get the overall picture of what your kids are up to online. You’ll receive daily, weekly, and monthly summaries of their activities and real-time notifications if your children try to access blocked websites, platforms, or apps. You also get notified if your child does one of the following things:

  • Leaves a “safe” space and goes to an “unsafe” or restricted location.
  • Calls, texts, or emails an unknown or blocked contact or receives a call, text, or email from one.
  • Attempts to remove or delete the parental control app from their device.

Bottom Line

From limiting time on social media platforms to restricting certain online services and search results, parental controls are important for kids of every age and maturity level.

If you want comprehensive parental control software, consider using Bitdefender Total Security parental controls offered by IdentityIQ identity theft protection services. Doing so can help keep your kids safe online while eliminating the risk of identity theft and internet misuse.

The post 6 Ways Parental Controls Help Protect Your Child appeared first on IdentityIQ written by Kelly Baker

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