Fraud is all around us. If you poke around usa.gov you’ll see that there are so many scams, they have to classify them by type. There are the phone scams (that have the added bonus of spam calls). There are the charity scams (seriously, who are these people). There are the bank and investment scams (can I interest you in a share of this gold mine). We’ve rounded up a few tips to help you avoid the many and varied scams out there.
Incoming vs Outgoing Calls
Incoming phone numbers can be ‘spoofed’ these days. Call your bank directly if you’re ever unsure.
Put the name of the organization and ‘scam’ into a Google search to see what pops up.
Know If You’re Protected
Though not always, credit cards often have more fraud protections built in.
You Haven’t Won Anything
Alright, maybe you have, but it’s unlikely. Particularly if you haven’t, y’know, entered any contests.
Don’t Feel Pressured
Scammers want to make you feel like there’s a ticking clock.
Avoid Saying “Yes”
This one has been reported on several times. The idea is that a scammer will record you answering a different question and claim you said yes to approve a charge.
Some Info Is Public
Do you know what’s publicly available? Your mortgage information. Just because someone appears to have private information doesn’t mean they’re legitimate.
Know Check Cashing Procedures
One of the more common scams is for the scammer to send you a check and then ask you to wire part of the funds back to them. They’re relying on you not realizing the check bounced until after your mistake.
If the only way to cancel monthly charges is to cancel the card, that’s a bad sign.
Check Public Records
Want to avoid rental scams? Check if the house is even a rental property before you put down any deposits.