Today, where the internet plays a crucial role in our daily lives, it is essential to be vigilant and proactive in helping protect yourself from internet fraud. Online scams and fraudulent activities continue to evolve, targeting unsuspecting individuals and causing substantial financial and personal harm.

The Federal Trade Commission released a statement analyzing annual fraud data, reporting that consumers lost nearly $8.8 billion to fraud last year — a 30% increase from the previous year.

Continue reading to learn how help to protect yourself from the dangers of internet fraud.

Common Ways Scammers Target You Online

As technology evolves, scammers are becoming savvier in their methods of obtaining your information. Scams often appear highly realistic, but it is important to watch out for certain key points.

Some of the most popular scams include phishing, social media, dating apps, and charity solicitations.

Phishing

Phishing is the fraudulent method of sending emails or other messages to entice individuals into revealing personal information such as passwords, credit card numbers, and Social Security numbers.

Social Media and Dating Scams

Due to the complexity of social media, scams can vary in many ways. From account takeovers and fake ads to impersonation accounts, investment scams, and even romance scams, you must be on guard at all times when browsing online.

A common way to detect and identify scammers on social media is by examining their grammar. If the language they are using is confusing, full of spelling errors, and unusually formatted, it’s usually best to stay away.

Receiving random friend or follow requests from someone you thought you were already friends with can be a major red flag. Often, your gut instinct is correct and your friend’s account may have been impersonated. It is best to always check with that individual personally before responding to requests or messages from the account.

Romance scams operate in a similar manner. Scammers use stolen images to lure in innocent people. They are often extremely forward and want to move quickly to texting or messaging apps and may ask for money or help with their financial situation.

Charity Scams

Charity scams involve soliciting donations for non-existent or falsely replicated organizations. Scammers often use tactics to get you to donate immediately, preventing you from conducting research on the organization.

Tips to Help Avoid Online Fraud

When it comes to online fraud, consumers are not the only ones at risk. Many businesses and retailers also face email and online fraud.

Luckily, there are numerous safety precautions you can take to help protect yourself.

Check What and Where You Buy

When shopping online, it is important to be aware of what you are buying and where you are buying it from. While scouring the web for discounts, you may come across websites that are not secure, but you should make sure to buy only from secure websites.

Look for the padlock icon in the address bar and double-check that the web address begins with https:// — this indicates that the website is secure and your information is protected.

Though it may be long, read the website’s privacy policy. This provides you with valuable information about how your personal information is protected when making purchases through their company.

Use a Credit Card, Not Debit, for Online Shopping

When you are shopping online, it is best to use a credit card rather than a debit card. Credit cards offer more protection against fraud and theft, and they also offer purchase protection if something you buy is damaged or stolen.

Don’t Give Out Personal Information

Keep your personal information personal. When sending emails, it is important not to include personal information. This includes your name, address, phone number, or other information that could identify you.

If you need to include this information, be sure to use a pseudonym or nickname instead. This also applies to sharing your information to someone on social media, a dating app, or website chat rooms.

Update Your Computer Security Software

It is important to keep your computer security software up to date. This helps protect your computer from viruses and other security threats. Make sure to install all updates as soon as they become available.

Create Strong Passwords

Creating strong passwords is essential to protecting your online identity. A strong password is at least 8 characters long and includes a mix of letters, numbers, and symbols. Never use the same password for multiple sites.

Report Suspicious Activity or Fraud Immediately

If you notice suspicious, fraudulent, or illegal activity, report it to the authorities as soon as possible. This includes suspicious emails, phone calls, or other communication you may receive. By reporting suspicious behavior, you can help protect yourself and others from becoming a victim.

Get Identity Theft Protection

Identity theft is a serious crime that can have long-lasting consequences for victims. That’s why it is important to have identity theft protection. With IdentityIQ, you receive real-time alerts if someone tries to open a new account in your name or attempts to use your personal information to commit fraud.

What to Do if You are a Victim of Online Fraud

If you think you have become a victim of online fraud, it’s important to act immediately. If you’ve already paid a scammer, your money might already be gone. Nevertheless, you can reach out to the company through which you made the payment to see if they can reverse it.

You should also contact your bank to inform them of the fraudulent charge — they can help guide you with the next steps to take. If you sent cash, contact the United States Postal Service immediately so they can intercept the package.

If you gave a scammer your personal information, go to identitytheft.gov to report it to the FTC and get a recovery plan. You should also reset all your passwords that you gave them access to and update all software on your devices to further help protect your personal information.

Bottom Line

Scammers can be very convincing, but if you are educated and aware of how to detect a scammer or fraudulent activity, you can help your personal information remain safe.

To stay vigilant, sign up for IdentityIQ identity theft protection services so you can receive real-time alerts if someone uses your information to commit fraudulent activity.

Travel has become an essential part of everyday life for many, offering adventure, cultural experiences, and opportunities for personal growth. However, as we embark on these journeys, we must also be vigilant guardians of our personal information. Travel identity theft is a rising concern, with cybercriminals constantly devising new ways to exploit unsuspecting travelers. To help you safeguard your identity and travel worry-free, we put together 10 tips for travel identity theft protection. These essential and easy precautions empower you to explore the world with confidence, knowing that your personal information is secure.

Are Travelers More Susceptible to Identity Theft?

Yes, travelers can be more susceptible to identity theft due to several factors associated with the nature of travel. To minimize these risks, it is essential for travelers to take proactive steps in protecting their identity. This can be done by protecting travel documents, not using public Wi-Fi, securing devices properly, and taking other preventative measures to help ensure safety.

Travel Identity Theft Protection Tips

Listed below are the top-10 tips we believe can be beneficial to you and your safety.

1. Travel Light with Documents

Often, you only need to bring your driver’s license, credit and insurance cards, and potentially your passport, depending on where you are traveling to. When outside your hotel or staying accommodations, keep all other items in a safe or hidden area. Consider carrying only the essentials on a day-to-day basis, such as your ID and financial cards. It may be even beneficial to consider digital versions when possible.

2. Use RFID-Blocking Gear

RFID-blocking material uses carbon fiber or aluminum to disrupt the signal of other devices gaining access to your information, essentially creating a barrier. Invest in RFID-blocking wallets, passport holders, and bags to help prevent electronic pickpocketing and unauthorized access to your credit card and passport information.

3. Secure Digital Devices

Set up strong PINs, passwords, and biometric locks on your devices. Enable remote tracking and wiping features to help safeguard your data if your device is lost or stolen. These precautions can help you travel with confidence, knowing that your digital life remains protected. Keeping your devices updated can also easily help prevent criminals from accessing your information. This allows the latest security updates to be installed on your phone, enhancing your protection.

4. Beware of Public Wi-Fi

Travelers often depend on hotel, airport, and cafe Wi-Fi to conduct business, personal matters, or social scrolling while away from home. However, these networks can be less secure, which can make it easier for hackers to intercept personal information. It is best to avoid using public Wi-Fi networks when handling your sensitive information. Use a virtual private network, also known as a VPN, to encrypt your online communications and help protect against hackers.

5. Monitor Financial Accounts

Regularly review your bank and credit card statements for suspicious activity. Checking your credit report allows you to quickly find out if someone has applied for a new line of credit in your name. Sign up for IdentityIQ services to monitor your credit and personal information. IdentityIQ alerts you in real-time if they detect possible suspicious activity with your information.

6. Use Two-Factor Authentication

Enable two-factor authentication for your online accounts. Adding an extra layer of security by requiring a secondary verification method, such as a code sent to your phone, helps prevent hackers from gaining access easily. This is a highly effective and proactive method to help fortify your online identity against the threat of cyberattacks. It provides an essential safety net to help ensuring that your accounts remain secure even if your passwords become compromised.

7. Limit Social Media Sharing

Be cautious about sharing travel plans on social media. Oversharing can provide potential identity thieves with information about your location and absence from home. While social media sharing can be a fun outlet to share your travel experiences, it is crucial to limit what is shared to help protect your privacy and safety.

8. Avoid Public Computers

Refrain from using public computers for online banking or accessing sensitive accounts, as they might have malware or key loggers that can steal your information. You don’t know if they are installed with the latest security protocols, or who has used that computer before you. They may have compromised the security without anyone being aware.

9. Secure Physical Mail

If you are away for an extended period, have your mail held at the post office or ask a trusted neighbor to collect it. Mail theft can lead to identity theft. USPS can hold your mail for up to 30 days and keep your packages and letters secured until you are able to pick them up. USPS also offers mail forwarding, which is a great option if you expect to be gone for longer than the 30-day period.

10. Shred Documents

While it may seem unnecessary, shredding your travel-related documents, or any personal unneeded documents, should be an essential practice to incorporate. With our vastly digitized world, criminals can exploit even the smallest details of personal information. By properly disposing of travel-related documents, boarding passes, and receipts, dumpster divers are unable to access your information, minimizing potential threats.

Bottom Line

Today our personal information is more vulnerable than ever, making safeguarding our identities, especially while traveling, a top priority. The tips we have provided for you give you a comprehensive guide to help navigate your travels with confidence and security. From enabling two-factor authentication to limiting social media sharing and investing in IdentityIQ to help ensure your personal information is safe, these methods are essential in the rising threat of identity theft. Adopting these precautionary measures, travelers can enjoy their adventures, knowing that their personal information remains secured from criminals.

Identity theft is an evolving threat that can have particularly severe consequences for military personnel. With the unique challenges and responsibilities they face, safeguarding military members’ personal information is paramount. In this article, we cover ten tips to help prevent identity theft, specifically tailored to the needs of those serving in the armed forces.

Why Is Military Identity Theft Protection Important?

Military personnel are at an increased risk of identity theft due to their exposure to classified information, frequent travel, and frequent moves. Criminals may specifically target military personnel due to their perceived financial stability, access to benefits, and the potential for identity theft to disrupt their careers. Learning how to help stay protected can help military members avoid financial loss, damaged credit, and compromised security clearance.

Military Identity Theft Protection Tips

From securing personal documents to practicing online safety, these tips offer military members a comprehensive approach to safeguarding this pervasive threat.

1. Secure Document Management

To maintain personal privacy, it is highly important to securely store and dispose of all sensitive documents. However, this especially important when it comes to military members due to the need to protect deployment orders, pay stubs, and medical records. To help stay protected and ensure their information remains safe, military members should consider using lockable filing cabinets, shredding documents, and using encrypted digital storage.

2. Strong Password Practices

It is crucial to use complex and unique passwords for all accounts, military and personal. Military personnel should consider using a combination of upper and lowercase letters, numbers, and special characters. It may be beneficial to employ a reputable password manager that will help keep track of passwords securely.

3. Two-Factor Authentication

Two-factor authentication, also known as 2FA, is a security process that requires two different methods of identity verification. This can be used for online accounts and systems. Military personnel should consider enabling two-factor authentication for their email, banking, and social media accounts. It adds an extra layer of security, making it difficult for unauthorized users to gain access.

4. Be Cautious About Public Wi-Fi

It is highly advisable to not use public Wi-Fi networks for sensitive transactions or accessing personal accounts. Instead, using a virtual private network, also known as a VPN, when connecting to public networks can help encrypt data. Often, public Wi-Fi networks are open and unsecured, providing easy access for cybercriminals to intercept data transmitted over these networks. Believe it or not, sensitive information such as login credentials, credit card information, and personal data can be stolen within seconds if the public Wi-Fi is compromised.

5. Beware of Phishing Attacks

Some of the common phishing tactics that are used by identity thieves to trick individuals into revealing personal information may include email, phone calls, text messaging, fake logins, and social engineering. To avoid this, military members should not open emails or text messages from unknown senders and always verify the website they are using is legitimate. Cybercriminals can manipulate and replicate domain names, causing people to give personal information to a website that is illegitimate and fraudulent. Military personnel should scrutinize emails and messages asking for sensitive information and verify the sender’s identity.

6. Regular Credit Monitoring

It is important for military members to monitor their credit report regularly to help detect unusual or unauthorized activities. IdentityIQ offers 24/7 credit monitoring with real-time alerts to notify you when suspicious activity is detected so you can take action.

7. Protect Social Media Profiles

The amount of personal information shared on social media should be limited, especially for military personnel. Sharing too much personal information increases the risk of social engineering attacks, as attackers can manipulate and impersonate someone you believe you know. This opens the door to potential sharing of personal information. Attackers can also exploit military personnel by creating a sense of urgency, trust, or familiarity based on information available in one’s public profile.

8. Secure Communication Channels

Military personnel should use secure communication tools for sharing sensitive information, especially during deployments. To help stay secure, it may be advisable to look into encrypted messaging apps like Signal Private Messenger, WhatsApp, and Telegram, as well as secure email services.

9. Report Suspicious Activity

If a military member suspects they have fallen victim to identity theft, they should immediately go to IdentityTheft.gov and create a report and recovery plan as well as follow other required protocols. They should also call the fraud department of the companies where they know the fraud occurred to help prevent new charges from being made on their behalf. They should also change all logins, passwords, and PINs to sensitive accounts.

10. Set Active-Duty Alert

Setting an active-duty alert can help minimize the risk of identity theft while military members are deployed. When they are away from their typical duty station, they can place an “active-duty alert” on their credit report. This will automatically force businesses to verify their identity before issuing any type of credit.

Bottom Line

Given the unique responsibility and vulnerability that military personnel are handed, shielding their identity is of utmost importance. These guidelines help empower military members to practice safety measures when securing their sensitive documents, browsing online, or carrying out daily tasks.

By using our tips and investing in IdentityIQ identity and credit protection, military personnel can focus on their crucial line of work with confidence that their personal information remains safe, which not only ensures their well-being but also the integrity of their service to their nation

With the significant and growing dependence of online platforms for financial transactions, financial account fraud is becoming a growing concern. In fact, of all new accounts created by identity criminals last year, 62% were financial accounts according to the Identity Theft Resource Center (ITRC). Not only does this pose a threat to every individual, but businesses as well.

In this article, we help readers understand the proper security measures they should take and how to stay vigilant against the rising threat of financial account fraud.

Understanding Financial Account Fraud

Financial account fraud poses a significant threat today, where personal and financial information is increasingly stored and accessible online. Identity theft criminals are gaining access to personal data, such as credit cards, account login credentials, Social Security numbers, bank account information, and much more to exploit everyday users.

As technology advances, criminals become more sophisticated. It is important to understand and stay up to date on current and all possible scams to reduce your chances of becoming a victim.

Here are a few examples of financial account fraud:

Synthetic Identity Theft

Synthetic identity theft, or identity fabrication, is a form of fraud where an individual’s Social Security number is stolen and combined with falsified information in order to create a new identity for the scammer. Without using fraud monitoring services such as IdentityIQ, this form of identity theft is rather tricky to identify. With this information, identity thieves are able to apply for loans, open new bank accounts, obtain medical care, or even file tax returns in victims’ names.

While this threat primarily targets vulnerable individuals such as children and the elderly, it’s important to recognize that anyone can fall victim to it.

Account Takeover

Account takeover fraud occurs when a malicious individual gains unauthorized access to your login credentials with the intention of unlawfully obtaining your funds and sensitive information. It all starts with acquiring personal details like email addresses and passwords, but it can quickly escalate to include credit card numbers, Social Security numbers, and even your bank account information. The repercussions of this fraudulent activity can range from credit card fraud and identity theft to various other forms of financial fraud.

Often, account takeover criminals will try to go unnoticed. They will change the account information and password before you are ever aware your account information has been compromised.

New Account Fraud

Unlike traditional identity theft, new account fraud involves the creation of fabricated identities. Criminals piece together new and false information in order to obtain loans, credit cards, or open new bank accounts. They will falsify Social Security numbers, addresses, and even names in order to establish a false identity.

Once this identity is created, criminals quickly make purchases, accumulate debt, or even engage in money laundering activities.

Common Vulnerabilities and Targets

Banking and Credit Card Accounts

Banking and credit card accounts are prime targets for account fraud due to the significant value attached to them. Once obtained by a criminal, they are able to attempt unauthorized transactions, potentially wipe out your account, transfer funds, make fraudulent purchases, and engage in identity theft.

Online Payment Platforms

Online payment platforms are extremely convenient and widespread. However, they have become a prime target for account fraud for that very reason. Cybercriminals are able to exploit information from these platforms by hacking their security systems. With doing so, they are able to obtain unauthorized access to user accounts and payment information.

Investment and Retirement Accounts

Due to the substantial asset and long-term savings that investment and retirement accounts hold, they have become increasingly popular for criminals to hack into. By gaining access to your personal information, they can hack into your accounts to make withdrawals, transfer funds, manipulate your investment portfolios, and more.

Recognizing the Signs

There are a multitude of ways to keep you and your accounts protected from fraudulent harm. Recognizing the signs of potential account hacking is the first step to saving yourself from financial disaster. Monitor your transactions and check your bank statements to ensure that you alone are the one making the withdrawals and purchases on your account. Be aware of any changes to your account information.

Ensuring that your username and password is constantly up to date, your email address and physical address are correct, and any other personal information tied to your account is correct, will protect you from a criminal taking over your account. It is important to be weary of all bank communication as well. Any emails or physical mail you receive from your bank should be looked over in detail to ensure all communication is between you and your financial institution alone.

Strategies to Protect Yourself

Keep Important Documents Safe

First and foremost, keep any physical copies of personal information safe. Do not carry your Social Security card in your wallet or write it on public documents. Always be aware when giving it out, and only do so when absolutely necessary. Since criminals can sort through trash to find personal information, shred any financial statements or sensitive documents that are no longer needed.

Monitor Account Activity and Statements

Always monitor your bank statements and credit reports. This allows you to be aware of activity and credit inquiries on your account. It would be beneficial to regularly check to make sure the information tied to your account is accurate, including physical address, email address, first and last name, username, and password.

Two-Factor Authentication

Two-factor authentication (2FA) verifies your identity in multiple steps. A password followed by a fingerprint or possibly a question only you know the answer to. This helps neutralize the risk of your account being compromised. If your password were hacked, the two-factor authentication helps prevent criminals from gaining access without the second approval factor.

Be Cautious

Never click on suspicious links or emails when browsing the internet. Criminals create these in order to hack into your database to obtain your information.

Freeze Credit Reports and Set Fraud Alerts

Freezing your credit report allows you to safeguard your personal information against fraud. This freeze immediately restricts access to your credit reports, making it quite challenging for criminals to open new accounts using your identity. It helps prevent unauthorized access to your personal data.

Software Updates

Keeping your devices and software up to date is a critical step in helping prevent financial account fraud. This provides maximum security and bug fixes to protect you and the vulnerability of your device. Keeping your browsers and antivirus software updated allows you to have the most current defense against emerging threats.

How to Recover from Financial Account Fraud

If you believe you are a victim of financial account fraud, report it immediately. Report it to your local law enforcement. Then you can report it to the Federal Trade Commission.

Invest in a credit monitoring service. IdentityIQ works with you to help ensure your information is safe and remains protected. Their team of experts also constantly monitor and notify you of possible suspicious activity that occurs on your account.

Bottom Line

Protecting yourself from financial account fraud is a constant responsibility in today’s society. The threat of fraud is prevalent now more than ever, targeting our financial and personal lives. Learning and understanding the methods these cybercriminals use to gain access to your information is key to helping keep yourself protected. Investing in a credit monitoring service is an easy and stress-free way to keep your identity safe at all times.

IdentityIQ identity monitoring services work to preserve your financial well-being and peace of mind, especially in this ever-growing digital landscape.

The dark web is a hidden part of the internet most people can’t access. It’s where illegal activities, like buying and selling drugs, weapons, and stolen personal information, take place.

If you’re not familiar with the dark web, you might be wondering what it is, how information gets there, and what happens if your data is involved.

In this article, we answer these questions and more, so you can understand the risks and how to help protect yourself from possible scams down the road.

What is the Dark Web?

The dark web is a secretive network where websites and services operate anonymously. Cybercriminals and underground communities often use it.

Dark web users need special software and browsers to access it to stay private and anonymous.

How Does My Data End Up on the Dark Web?

Your personal data can end up on the dark web through various means, but the most common are data breaches and targeted hacking.

Data breaches occur when cybercriminals gain unauthorized access to databases containing personal information such as names, addresses, Social Security numbers, credit card details, and login credentials. These breaches can happen due to vulnerabilities in the database software, or through social engineering techniques that trick employees into revealing their login credentials.

Once the cybercriminals have the stolen data, they can sell it on the dark web to other criminals who can use it for identity theft, credit card fraud, or other illegal activities. The data can be sold in bulk or individually, depending on its value.

Targeted hacking is another way that data can end up on the dark web. In this case, cybercriminals specifically target individuals or organizations to gain access to their sensitive data.

They may use phishing emails, social engineering, or malware attacks to access login credentials or other personal information. Once they have the data, they can sell it on the dark web or use it for their own illegal purposes.

What Happens if Your Information Gets on the Dark Web?

If your information ends up on the dark web, particularly following a data breach, it becomes susceptible to exploitation by identity thieves. These criminals utilize dark web platforms to trade and leverage your compromised data, exposing you to the dangers of identity theft and other types of fraud.

How Do You Know If You’re on the Dark Web?

To check if your information is on the dark web, you can use IdentityIQ identity theft protection services. All you need to do is enter the information you want scanned for on the dark web and IdentityIQ services does the rest. IdentityIQ scans the dark web for the information you provide, such as your email addresses, home address, driver’s license number, and Social Security number.

If a match is found,  IdentityIQ services can send you an alert in real-time so that you can take action to protect your accounts and keep your sensitive information safe from unauthorized access. With IdentityIQ, you can stay informed and help safeguard your information.

Can I Get My Info Removed from the Dark Web?

Once your information is on the dark web, you cannot remove it. However, you can protect your personal information better to help prevent anyone who has it from causing harm.

What to Do if Your Information Is on the Dark Web?

If you find out that your information is on the dark web, here are some simple steps you can take to protect yourself:

1. Keep an eye on your accounts: Watch out for any unusual activity or transactions in your financial accounts, credit cards, and online accounts. If you notice anything suspicious, immediately report it to your bank or the relevant service providers.
2. Change your passwords: Reset the passwords for all your online accounts, including email, social media, and banking websites. Make sure to use strong and unique passwords for each account. You may also consider using a password manager to securely store your passwords.
3. Use two-factor authentication (2FA) whenever possible: This adds more security when you log into your accounts by requiring a second verification step, such as a unique code sent to your phone.
4. Inform the major credit bureaus: Get in touch with the major credit bureaus to place a fraud alert or freeze on your credit report. This makes it harder for fraudsters to open new accounts using your name.
5. Consider using identity theft protection services: IdentityIQ can monitor your personal information, send alerts for possible suspicious activity, and assist in case your identity is stolen.
6. Be careful with your personal information: Only share sensitive information online when necessary. Be careful of phishing attempts, fake websites, and unsolicited requests for personal details.

Bottom Line

It’s essential to be aware of the potential risks of the dark web and take steps to help protect yourself. By staying vigilant, monitoring your accounts, using strong passwords, enabling two-factor authentication, and using identity theft protection services, you can help minimize the chances of your personal information ending up on the dark web, or even worse, being used by a scammer.

Remember, your proactive efforts can make a significant difference in keeping your online identity secure.

Scammers are always looking for ways to take advantage of people, and the airline industry is no exception. Whether through fake airline ticket booking sites or fake flight cancellation emails, travelers need to be vigilant and protect themselves from airline scams.

In this blog, we provide tips and advice on recognizing and avoiding airline scams to help you have a safe and stress-free travel experience.

How Do Airline Scams Work?

Airline scams trick unsuspecting travelers into paying for something that either doesn’t exist or is poor quality. These scams can take many forms, and scammers use a variety of tactics to lure in their victims.

For example, some may create fake websites to advertise phony deals or services, while others may pose as legitimate airlines or booking companies in phishing scams designed to steal personal information or credit card information.

Unfortunately, these scams can be difficult to detect, as scammers are often skilled at making their offers appear legitimate.

6 Common Airline Scams

Here are six common airline scams to watch out for.

Fake Flight-Booking Websites

Scammers create websites that mimic legitimate booking sites with similar logos and layouts. These sites may offer attractive deals on flights or vacation packages that are often too good to be true.

After customers enter their payment information, scammers may provide fake tickets. Or, they may disappear altogether. Therefore, it’s important to double-check the website’s URL and ensure that it’s the airline’s official site or a reputable booking platform.

“Too Good to Be True”

Scammers may use ads or emails to offer customers incredibly low prices on flights or travel packages. They may use fake customer reviews to make their offer seem more legitimate. After customers make a payment, scammers may provide fake tickets. Or, once again, they may disappear altogether.

To help avoid this scam, customers should be wary of any deal that seems too good to be true and double-check the seller’s credentials.

Fake Flight Cancellation Emails

Scammers send emails that look like they’re from a legitimate airline or booking platform, claiming that the customer’s flight has been cancelled. The email may direct the customer to a link to reschedule or obtain a refund.

However, the link leads to a fake website where the customer enters their payment or personal information, which the scammer then uses for fraud. Therefore, customers should be wary of any email requesting payment or personal information and double-check the airline’s website or customer support for information about flight cancellations.

“Declined” Credit Card Payments

Scammers send emails or call customers claiming their payment has been declined, asking them to enter their credit card information to complete the transaction. This information is then used for fraudulent purposes.

Customers should be cautious of any unexpected communication regarding payment, especially if it asks for personal or payment information.

Robocalls Offering “Free” Vacations

Scammers use robocalls to offer customers a “free” airfare and vacations but require them to pay hidden fees or attend a timeshare presentation. Unfortunately, these vacations are usually not as advertised, and the fees are exorbitant.

Customers should be wary of unsolicited offers for free airline tickets and vacations and double-check the seller’s credentials before agreeing to anything.

Fake Airline Customer Support

Scammers set up fake customer support lines or social media accounts pretending to be a legitimate airline, helping customers with issues. The scammers then ask for personal or payment information, which they use for fraud.

Customers should only contact customer support through official channels and refrain from providing personal or payment information over the phone or through social media.

How to Help Protect Yourself from Airline Scams

Protecting yourself from airline scams requires a combination of vigilance and caution. First, always research before booking a flight and double-check the seller’s credentials or booking platform. Be wary of deals that seem too good to be true. Never provide personal or payment information to an unsolicited source.

Additionally, monitor your credit card transactions regularly to ensure no unauthorized charges. Finally, consider signing up for identity theft protection.

IdentityIQ identity theft protection services can help safeguard your personal information and alert you to suspicious activity. By staying informed and cautious, you can minimize your risk of falling prey to airline scams.

Where to Report Airline Scams

If you’ve fallen victim to an airline scam, it’s important to report it to the appropriate authorities to help prevent future fraud and potentially recover your losses.

You can report the scams to your local law enforcement authorities as well as to the Federal Trade Commission (FTC) or the Better Business Bureaus (BBB).

Bottom Line

To protect yourself from airline scams, be cautious of deals that seem too good to be true, double-check the seller’s or booking platform’s credentials, and never provide personal or payment information to unsolicited sources.

Monitor your credit card transactions regularly and invest in identity theft protection.

With the tax season back, so are tax preparer fraudsters.

While many trustworthy and honest tax preparers are willing to help you complete your tax returns, it’s still good to be cautious, especially when you want to protect your identity.

Here’s how to avoid tax preparer fraud and what to look for when choosing a tax preparer this season.

What is Tax Preparer Fraud, and How Does it Work?

Tax preparer fraud is filing false income or other tax information by tax preparers. They can claim inflated expenses, deductions, or credits for their clients. They can also claim false exemptions and returns and manipulate incomes for their clients to obtain tax credits they might not normally receive.

Often, the taxpayer can be unaware of this situation yet are subject to all penalties — not the preparer. If not caught on time, this can cause immense debt and penalties for the taxpayer.

Tips for Choosing the Right Tax Professional

When finding the right tax professional for you, looking into who they are and if they would best suit your needs is beneficial. This individual knows your private and personal details – your income, financial information, marriage status and domestic situation.

The Internal Revenue Service, or IRS, has provided its most helpful tips when choosing the right tax preparer for you:

• Be mindful of tax preparers who claim or boast about the large refunds they can obtain.
• Avoid preparers who base their fee on a percentage of the amount of the refund.
• Use a reputable tax professional who signs your tax return and provides you with a copy.
• Make sure the tax professional can answer all tax return-related questions.
• Review your return before you sign it.
• Remember, whoever prepares your tax return is solely responsible for all information.
• Never sign a blank tax form.
• Check the tax preparer’s credentials.

Four Types of Tax Professionals

There are four types of tax professionals: certified public accountants, enrolled agents, tax attorneys and non-credentialed preparers. Here’s a breakdown of the differences between them.

Certified Public Accountants

Certified public accountants, also known as CPAs, are licensed by their respective state. The state board of accountancy requires a CPA to pass the Uniform Certified Public Accountant Exam.

These professionals, once licensed, offer their accounting services to public individuals. CPAs are required to continue their education, depending on their state.

Enrolled Agents

Enrolled agents, also known as EA, are trained, and licensed by the IRS and must pass the Special Enrollment Exam. In addition, they are trained in federal taxes and granted the right to represent any client.

Licensed EAs are required to complete 16 hours of education per year and 72 hours over three years.

Tax Attorneys

A tax attorney is licensed in the state to practice law and granted the right to represent any client before the IRS. Tax attorneys apply their knowledge to tax preparation, planning and providing advice and plans to clients.

Non-Credentialed Preparers

Non-credentialed preparers typically are seasonal tax preparers without any certifications from the IRS. Tax preparers who are not credentialed can often work in a tax store or are a part of the IRS Volunteer Income Tax Assistance Program.

What to Do If You’re a Victim of Tax Preparer Fraud?

If you think you are the victim of tax preparer fraud, complete the IRS form 14157-A, Tax Return Preparer Fraud or Misconduct Affidavit. You must mail the form along with other supporting documents. For more information, visit IRS.gov.

You may also want to get in touch with your bank. A fraudster can use your Social Security number and other personal information to open credit cards and other accounts without your knowledge.

For extra protection, consider a monitoring service, such as IdentityIQ, that can quickly alert you of possible suspicious activity and assist you in restoring your identity. These services are dedicated to protecting you from fraudsters.

With the holiday season upon us, e-cards are a popular way to spread holiday cheer! An e-card is a digital greeting card, typically sent via email.

E-cards are slowly taking the place of traditional holiday cards for many reasons. They are  typically cheaper, easier to send, more convenient and more animated than a normal card.

Unfortunately, scammers have created email phishing scam tactics to stifle a holiday card’s innocent joy. What may seem to be a cheerful e-card may be a method to steal your personal information and hack into your devices.

Is it worth the risk of opening a holiday e-card? Yes, but you must be cautious! Here’s how you can avoid an e-card scam this holiday season.

Is It Safe to Open An E-Card?

While most of the time e-cards are seemingly harmless, there are steps you can take to help ensure your personal information stays safe. First, check the sender’s address. If the email address is unfamiliar, then it could be an e-card scam.

Second, avoid clicking on any links or downloads. They could lead to downloading viruses and exposing personal data. You can also go online and research the e-card company before opening the card itself. Doing this allows you to see if the company is legit and if any recent scams have been associated with the digital card.

How Does a Holiday E-Card Scam Work?

This phishing scam sends recipients fraudulent links or malware downloads posing as a greeting card. Most of the time, this email is sent from an unknown source. However, if the e-card is opened and links are clicked, scammers can infect your device with unwanted software and viruses. Plus, scammers can gain access to personal information.

Common Signs of Holiday E-Card Scam

A digital greeting card  might come into your inbox with a very elusive subject line. For example, the subject line might read “Someone you know sent you an e-card.” Immediately, this might be a sign of a phishing tactic.

E-cards should say who sent it with the name or address in the subject line. It’s best to delete the email immediately rather than opening the email link and becoming a possible victim. This email may also contain spelling and grammar errors. If this email is informal or incorrect in any way, it is best to avoid opening.

Emails with a file attached (.exe), should never be opened. Downloading this file allows scammers to put malware on your device, running the risk of your personal information being stolen. Scammers can mimic information, logos or even email addresses quite easily. So never assume any email with a Hallmark or greeting email address is legitimate.

Be on the lookout for email addresses that do not align with the domain name on the email. This can be another sign of a phishing email.

What To Do If You Are a Victim of a Holiday E-Card Scam

If you think you may be a victim of an e-card scam, report it immediately. You can report it to the FBI IC3 or file a report with the FTC.

Next, clear out all browsers and tabs that have been opened on your device. Then, disconnect your device from the network, scan your device for any viruses or malware and delete or stop any automatic downloads. If you have any important files, consider backing them up immediately.

Also, consider investing in identity theft protection. A monitoring service such as IdentityIQ can help secure your personal information while providing anti-virus and VPN protection. Rest assured, you can recover from an e-card scam. However, to help avoid becoming a victim, follow our tips. For extra protection, consider signing up for an identity theft protection plan.

Is IdentityIQ a scam? Does a company that protects you and your family’s identity really exist? Yes, in fact, IdentityIQ services not only monitor your identity, but you also receive credit report monitoring, meaning your identity and credit are protected.

IdentityIQ plans also feature device security with anti-virus and VPN. So, you have complete protection.

BestCompany has rated IdentityIQ identity theft protection No. 1 in the industry. Money.com has rated IdentityIQ credit monitoring services the best in the industry.

Read on to find out more about IdentityIQ services.

What is IdentityIQ?

Since 2009, IDIQ has offered the IdentityIQ product for industry-leading identity theft protection and credit report monitoring. The company is headquartered out of Southern California, where it has quickly become one of the fastest-growing companies in the nation.

In fact, IDIQ was recently recognized as one of the fastest-growing companies in America, earning three consecutive spots on the prestigious Inc. 5000 List that has also featured leading companies such as Facebook, Chobani, Under Armour, Microsoft, and Patagonia as previous honorees.

What Does IdentityIQ Do?

IdentityIQ services provide identity theft protection and credit report monitoring. You receive three-bureau credit reports and scores; real-time fraud alerts; identity monitoring; identity theft insurance; anti-virus and VPN; and other benefits.

IdentityIQ Identity Theft Protection

One major benefit of IdentityIQ services is identity theft protection. This benefit includes identity monitoring; dark web and internet monitoring; Social Security number monitoring; application monitoring; and more.

Identity theft protection includes identity theft insurance, underwritten by AIG, for up to $1 million. This includes $1,500 per week for five weeks for any wages lost while resolving stolen identity issues along with coverage for attorney and other fees.

The IdentityIQ team also has 100% U.S.-based customer service and identity restoration experts who will help you navigate the unforeseen circumstances of identity theft and provide you peace of mind. IdentityIQ experts help restore your identity if your information is compromised and have a plan of action to help you.

Device Security with Anti-Virus and VPN

IdentityIQ services have partnered with Bitdefender® Total Security to offer anti-virus and premium VPN protection for up to 10 devices. With this device security, you receive complete online protection and anonymity, no traffic logs, and encrypted traffic. These services are available to Windows, macOS, Android, and IOS devices.

Credit Report Monitoring

IdentityIQ services help you keep an eye on your credit. You can receive your credit scores from all three major bureaus in one easy-to-read report. You also can use the credit score simulator to see what actions you can take to help reach your credit goals.

You receive real-time alerts if your credit scores have a major change or if there is other suspicious activity. IdentityIQ services also monitor new credit applications and other applications in your name. This is beneficial because identity thieves can use your stolen information to open new accounts.

Having IdentityIQ monitor your credit allows you the opportunity to reach financial freedom and peace of mind. Monitoring your credit allows you to stay on top of your credit scores and take actions that can positively impact your credit.

How Do I Sign Up for IdentityIQ?

Signing up for IdentityIQ is simple and easy. You can enroll in minutes. You provide your information and answer security questions provided by the major credit bureaus. Once you’ve completed enrollment, you’re protected.

Your personal information is monitored, and you receive alerts for possible suspicious activity. You can also enter additional information, such as other email addresses or your children’s Social Security numbers, so that data is monitored as well.

IdentityIQ plans range on benefits and pricing to accommodate your specific needs while catering to your desired budget.

Bottom Line: IdentityIQ is Legit

IdentityIQ services are not a scam. Instead, the IdentityIQ product has been around for more than a decade and brought identity protection and credit monitoring to more than 2 million members. IdentityIQ benefits include identity theft protection and credit report monitoring along with anti-virus and VPN.

With the increased global use of social media, there are more opportunities than ever for scammers to steal identities or perpetrate fraud online. It can even put your family at physical risk.

For example, did you know that your status updates posted on Twitter, Facebook, Instagram and many other social media sites can be used by criminals?

If you post that you’re out of town on vacation, you’ve opened yourself up for burglary. If you mention that you’re away on business for a weekend, scammers know that you aren’t checking in on your accounts with your usual regularity.

When it comes to stalking or stealing an identity, the use of photo- and video-sharing sites like Flickr and YouTube provide deeper insights into you, your family and friends, your house, favorite hobbies and interests.

Your quick status update might inadvertently be giving away details to scammers which could be used to steal your identity.

How Can You Protect Your Information on Social Media?

Here are 4 ways can help avoid exposing yourself to identity theft risk on social media.

1. Stop sharing location or vacation updates. Tweeting about your vacations or posting photos when you’re out on the town lets thieves know where you’re not home. With that information, they could feel more emboldened to break into your home, steal valuables and root around for private information needed to steal your identity.

2. Stop providing password clues. The information you share on social media —birthplace, pet’s name, favorite hobbies — can be used by thieves to form a profile that can help them eventually steal your identity.

3. Decline friend requests from people you don’t know in real life. Accepting friend requests from strangers could give bad actors access to your information. While it may seem like the requester is friendly or important or interesting, accepting their request and making them a “friend” may entitle them to private information they shouldn’t have access to.

4. Be careful with quizzes and games they could – they can be revealing too much about you. There are all kinds of quizzes, tests and other games on social media. Be very careful with those because they may ask you for a lot of information. You can’t always be sure they aren’t a scam. Plus, you can’t always be sure how well they’ll safeguard your data once they have it.

Not sure if your information has been compromised? The best line of defense is to be proactive.

An identity protection service that actively monitors your identity and scans the dark web for your personal information is essential. You can receive alerts if your personal information is possibly at risk as well as identity theft insurance and restoration assistance if you do become a victim of an identity thief.