One of the most popular online frauds is a phishing fraud. What happens here is that the people running this fraud usually send you an email from a website that you normally trust, such as PayPal, your bank, credit card companies, etc. In the email they tell you that your account information needs to be verified or the account will be closed or you need to update your account info. Many times the email will include a link that will take you to an authentic looking website for you to enter in your information. Most of the information they are asking for is personal and can be used to steal your identity.
But the good news is that there are things that you can do to recognize phishing so that you don’t become a victim. If you take the time to learn how to recognize phishing attempts then the chances are low that you will become a victim to any kind of phishing scam.
Here are some tips that you should keep in mind to help spot phishing immediately.
The first thing that you are going to need to do is to look for some misspellings on the email. Many times words will be misspelled slightly; this won’t be anything major but there might be two “e’s” in a word that is only supposed to have one letter “e”. You can also look for characters in the wrong place. For example you can have three semicolons between phrases when there shouldn’t be any. These things can all be spotted on a phishing email and can help you to spot that the email is not real. In order to spot these errors you are going to need to read the email closely.
You also need to pay close attention to the addresses that are being included in the email. Many times the email address that is being used to send the email to you is from an unidentifiable source and all legit companies are going to use an identifiable source when sending you emails. Also you need to check the source code, this is actually critical in recognizing phishing. Usually what happens is that they show you one address but are actually using a different address and if you don’t check to see that both addresses match then you won’t notice that it is actually two different addresses.
Something else to look at is the legal threats they are sending you. Legit companies will never ask you to send in personal information, such as copies of photo IDs through an email. And many times criminals include a lot of needless legal jargon to help convince you it is real. In fact chances are that the legit companies don’t include all of that legal stuff in an ordinary email.
Another thing that you need to look at is how the emails are being addressed to you and what they are asking for. More often than not a company that you have open accounts with is not going to address you as “customer” but they are going to address you by your last name at least because they will want to personalize the email. But they also won’t ask for personal information online. If they feel your account needs to be updated they will contact you some other way such as telephone or sending you a form through the mail.
Keep in mind that most of the time at a quick glance these emails are going to look legitimate to you. But if you take the time to learn what to look for you can spot a phishing attempt immediately, although it is going to take some close examination the first few times.