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Who's "Phishing" For Your Information?
Phishing attacks use ‘spoofed’ e-mails and fraudulent websites designed to fool recipients into divulging personal financial data such as credit card numbers, account usernames and passwords, Social Security numbers, etc. By hi-jacking the trusted brands of well-known online retailers, credit card companies, and financial institutions, like Kentucky Telco, phishers are able to convince recipients to respond.
Restoring your identity can be a tremendous inconvenience. It’s worth your while to exercise a little preventive maintenance.
Never give out your personal financial information in response to an unsolicited phone call, fax, or email, no matter how official it may seem. Plus:
Tip #1 - Do not respond to emails that may warn of dire consequences if you do not validate your information immediately. Contact the company to confirm the e-mail’s validity using a telephone number or web address you know to be genuine. Check your credit card and bank account statements regularly and look for unauthorized transactions, even small ones. Some thieves hope small transactions will go unnoticed. Report discrepancies immediately.
Tip #2 - When submitting financial information or making purchases on a website, look for the padlock or key icon at the top or bottom of your browser, and make sure the Internet address begins with “https”. This signals that your information is secure during transmission.
Tip #3 - If you have responded to an email that you believe is fraudulent, contact Kentucky Telco immediately so we can protect your account and your identity.
If you believe you’ve been scammed, file your complaint at ftc.gov, and then visit the FTC’s Identity Theft website at www.consumer.gov/idtheft. Victims of phishing can become victims of identity theft. While you can’t entirely control whether you will become a victim of identity theft, you can take some steps to minimize your risk. If an identity thief is opening credit accounts in your name, these new accounts are likely to show up on your credit report. You may catch an incident early if you order a free copy of your credit report periodically from any of the three major credit bureaus. See www.annualcreditreport.com for details on ordering a free annual credit report.