Cybercrime today is prevalent. Every day, cybercriminals look for new ways to attack accounts and steal sensitive personal information like account numbers, passwords, and more.
You should never give this information away by phone, text, or email. Spectra already has this information on file if you are a current member, unless you are setting up a new account or applying for a loan or new credit card.
When cybercriminals phish, they use email or hacked websites to solicit personal information by posing as a trustworthy organization. Phishing attempts usually occur in the form of an email but can also happen as a text message or voicemail. The message will contain a call to action that you recognize, such as verifying an email address or providing your detailed personal information.
Malware is short for “malicious software.” In other words, malware is sneaky software that destroys computers and steals your personally identifiable information in the process. Malware examples include viruses, worms, Trojan viruses, spyware, adware, and ransomware.
Username and password breaches occur when cybercriminals steal your username and password. The best way to protect yourself against this scenario is to refrain from using the same password for multiple sites or systems. If you use a different password for each platform and one account is breached, your other accounts will not be at risk.
Cybercriminals steal card numbers from fake websites, public Wi-Fi system breaches, and more. Then, they use your debit or credit card information to pay for goods and services.
Fraudsters will use your Social Security Number, name, and address to open new lines of credit and drain your assets. Always exercise caution and avoid falling for their phishing and malware attacks so they can’t steal your information in the first place.
Fake apps are on the rise. Apps can offer a convenient way to shop and receive discounts but beware of imposters.
The resources below offer more information on identity theft, fraud prevention, and assistance for victims.
Information regarding identity theft, security, and privacy.Federal Trade Commission
Tips and advice about common security issues.Cybersecurity & Infrastructure Security Agency
Advice for protecting your mobile device.Federal Communications Commission
Best practices for password authentication.Federal Trade Commission
File an internet crime complaint.Federal Bureau of Investigation
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