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Everyday Fraud Prevention: Simple Steps to Protect Yourself from Scams

The current digital age gives consumers access to exceptional convenience, but it also presents security challenges that can put their data at risk. Scammers are becoming increasingly adept at leveraging technology, paired with psychological tricks, to target consumers’ personal information. In order to keep your data safe, implementing a proactive and watertight defense is key. Here, we discuss safeguards and precautions you can take to protect yourself and your personal and financial data for today and the future.

1. Be Cautious of Unsolicited Communications

One common tactic scammers use is to make contact with an individual through unsolicited emails, text messages and phone calls, impersonating reputable organizations like government agencies, tech support or financial institutions. They often manipulate caller ID to display fake names and numbers, making it appear like a legitimate request. 

Tips for reducing risk:

  • Block unwanted calls and text messages using tools provided by your phone carrier.
  • Contact the organization or company directly using their official website or phone number to verify if the request was legitimate.

2. Protect Yourself and Your Personal Information

Your personal information is valuable to scammers and can serve as a gateway to financial vulnerability. Be mindful of the information you share online and over the phone. 

Tips for safeguarding your information:

  • Never share sensitive information over the phone, via email, in texts or on unsecure websites.
  • Create strong, unique passwords for your online accounts — avoiding using the same password for multiple platforms — and enable two-factor authentication, whenever possible.

3. Monitor Your Accounts Regularly and Report Suspicious Activity

Detecting the first sign of fraud by monitoring your bank accounts, credit card statements and credit reports for fraudulent activity can help you minimize losses and protect yourself. If you notice unusual activity, report it right away to your bank, credit card company or relevant authorities.

Tips for monitoring your accounts:

  • Set up alerts for your bank and credit card accounts to notify you of suspicious transactions.
  • Review your credit reports annually for inaccuracies. You can order a copy of your free credit reports at annualcreditreport.com.

4. Educate Yourself and Others 

Scammers are continually developing new tactics as technology evolves, so staying informed is one of your best defenses to protect yourself and others from fraud. Be sure to talk to family members — especially young adults and seniors — as they can be common targets.

Stay informed by following sources like the Federal Trade Commission, Federal Bureau of Investigation and Texas Capital's E-Fraud Prevention Security Portal.

Summary

Implementing these safeguards and tips can boost your peace of mind and security as you navigate the digital world — helping you continue to protect yourself from potential fraud. In today’s complex online environment, staying informed and remaining vigilant are essential to outsmarting scammers and shielding your data. 

If you think you may be a victim of a scam, report it to the Federal Trade Commission, your financial institution and your local police.