New Year Scam 2020 Style

New Year Scam 2020 Style

It’s not just a new year … it’s a new decade. Not quite the ‘Age of Aquarius’ type of timestamp, but a new decade brings hope and positivity for our families and futures. It’s around this time in mid-January that many of us realize, “Hey, that exercise plan I agreed to do on January 1st at 12:06 am, that was just an example, not something I actually have to do on a daily or weekly basis and certainly not for the next ten years!” By the way, the same goes for those clean eating goals, too. If you can eat clean four or even five out of seven days, you’re likely in the bonus.

 

On average it takes about two months for a new behavior to become a habit (or if you are a supporter of the 21/90 rule, it may take a bit longer). Why is this a topic in our blog? Because how we write the year out today is going to have to break an old habit of abbreviating it, as many of us have done for the last nine years. The simple truth is that scammers are trying to forge our documents when we just write ’20’ instead of ‘2020.’

 

As reported by CNN’s Harmeet Kaur, “When the year 2020 is abbreviated on official forms and documents, those looking to exploit unsuspecting people can easily manipulate those numbers and leave people potentially vulnerable to fraud.” Auditors and police departments around the country have been notifying the public that when you write a date on a document, to not shorthand the year 2020 to just ’20.’ A document dated 1/4/20 can easily be changed to 1/4/2021 by adding two numbers at the end. Or, it could go the opposite way … a creditor could say you owed money from 2019 just by adding ’19’ after the ’20.’

 

Just putting forth a little effort in writing 2020 out in full, which will eventually become habit if done often enough, is a small step toward protecting you and your family from check or document fraud.

 

From the entire team at Guard Well, we wish you a wonderful, happy and prosperous 2020. If you suspect that fraud has happened to you, we are available 24/7/365 at 888.966.GUARD (4827) and memberservices@guardwellid.com.

 

How to Detect a Fraudulent eCommerce Site

How to Detect a Fraudulent eCommerce Site

The Washington Post just reported that U.S. consumers are expected to shell out a record $9.4 billion today on Cyber Monday, a 19% increase from last year. While Walmart, Target, Best Buy and Amazon are many holiday shopping ‘go-to’ websites, there are many others that you may visit, especially when looking for that perfect personalized gift. Unfortunately, fake eCommerce websites and scams during the holiday season are on the rise.

 

How do you decipher a legitimate website from a fake one? Yes, it is confusing … and that is by design. It’s not easy. There are some detailed things to watch out for:

 

– Scammers’ tactics include manipulation and will urge you to purchase. If you’re trying to make a purchase online and are offered help with the checkout process, do not give any personal identifying information (PII) in a chat room. If you are asked to do so, exit immediately.

 

– Hover over hyperlinks to make sure they’re going to a legitimate website. If there isn’t a padlock symbol and an ‘https’ in the address bar, exit immediately.

 

– A legitimate retailer will have full contact details, including address, email and phone number, on the website. If any of those are missing, exit immediately.

 

– Check out the website’s customer reviews. While many are legit, if you read beyond the star rating and check the reviewer’s history (especially if it is a very positive post), you may find that the reviewer uses the same phrases for other products and companies. Red flag! Also, if their reviews are not specific about the product, they have reviewed the same product before or they do not give useful feedback, recognize that they may not be legitimate and … guess what? … exit immediately. There are online tools such as Fakespot that can help you determine a customer’s review reliability.

 

– Don’t use a debit card for online purchases. Credit card companies won’t insure your purchase if you use a debit card. Dedicate one credit card for all online purchases and check the statement often. If you see any unusual activity, dispute the transaction immediately.

 

If you suspect identity theft or fraud, please contact us day or night at 888.966.GUARD (4827) or email memberservices@guardwellid.com. We’ve got your back and are always open for you.

Keeping Your Holidays Happy and Fraud-free

Keeping Your Holidays Happy and Fraud-free

Yes, it’s that wonderful time of year. The holidays are quickly approaching … and at lightning speed! Will you be traveling to see family in the next few weeks? Or, maybe you’ll be skipping off to a great vacation instead of decking the halls? Whatever your plans are, having time off of work, fun with friends and family, and hopefully a few days of laziness … are wonderful to look forward to. But, when we are caught up in the excitement about buying those last-minute gifts (or sunscreen and new flip-flops), we need to remember that there are some other ‘things to do’ on our checklist to help keep our family and identities safe during this special time of year.

 

In addition to stopping the mail, finding that special neighbor with a green thumb to water your plants, and arranging for pet care for your fur babies, there are some pre-trip actions that you can take to help prevent identity theft from becoming a huge holiday memory. Just some small preventative measures, such as updating the operating system and antivirus software on your mobile devices, can go a long way toward fending off a few identity thieves. Below are some tips for what you can do before you leave home, as well as while you’re away and after your return.

 

Before you leave home:

– Password protect your devices and update operating systems

– Alert your bank(s) about your travel plans

– Visit your post office and put your mail on a vacation hold

– Keep the number of credit cards you travel with to a minimum and have copies of your driver’s license, medical id cards, passports and travel confirmation numbers at home in a safe place

– Turn off auto-connect Wifi and Bluetooth connections

– Consider adjusting your social media account settings so posts aren’t tagged with GPS data

 

While out of town:

– Avoid using public Wifi and even your hotel’s if at all possible

– Do not use public computers

– Keep your travel documents in a hotel safe

– Log out of websites on your smart phone and any websites if you bring a laptop or other device with you on your trip

 

Upon your return home:

– Consider changing passwords for your major accounts

– Thoroughly go through your account statements for any irregularities

– Check your credit report to make sure no new accounts were opened in your name while you were away

 

We hope you have a wonderful holiday vacation. If you suspect identity theft or fraud, please contact us immediately at 888.966.GUARD (4827) or email memberservices@guardwellid.com. Day or night, we’ve got your back and will always be open for you.