Romance is in the air, but so is fraud.

I hate it when scammers take advantage of you on holidays. In fact, I don’t much like being the person responsible for telling you that fraud goes way up during holidays like Christmas and Valentine’s Day. But it’s my job, and it’s important to me, and you have nothing to worry about if you are using common sense. In case your common sense is lacking due to all of the chocolate, here are some thoughts on Valentines Scams.

In happy and/or busy moments, people tend to let their guard down. Consumers are happier, more trusting, generous and hopeful around Valentine’s Day. This is a good thing. We want people to be happy, in love and celebrating each other.

I just don’t want you to be so distracted that it gives an identity thief an opening to take advantage of you. Around this time there is a rise of online scams, especially where thieves send out malicious links that direct you to a site where you are tricked into giving personal information.

The problem with malicious links is that they appear to be sent by someone you trust, especially when they come from a friend on Facebook or another social netowork. Most people click on them because they look like they are from a friend, legitimate company, bank, or other business that you have dealt with in the past. Also, around Valentines day, the message might appear to be from a  flower, candy or gift company that is giving you some amazing offer, and all you have to do is click!

While these malicious links can be sent by email most people don’t realize you can get them via Facebook, Twitter, IM, or even text message. Scammers have gotten more sneaky and creative with their methods of attack. With Valentines Day right around the corner they will be disguised as friends or businesses tapping into your romantic, loving, and trusting side.

Watch out for companies offering you 50% off on 1-800-flowers if you purchase them from their (phony) site. Maybe it’s a free offer from Match.com or link a “friend” has sent to check out the best Valentine’s Day gifts this year. In other words, just be extra careful about anything you click on that has to do with the holiday. You are better off typing the URL of where you want to go (flower store, chocolates, etc.) in the address bar.

Here are a few ways that criminals hid Malicious links so that you have a harder time spotting them:

• A slight misspelled version of a trusted URL
• Using a URL shortener (Tiny, bit.ly) to hide the actual URL
• Use simple HTML formatting to hide the real URL. This is very common and hard to spot because while you are clicking on www.firstbank.com it is actually a dangerous link in disguise that takes you to a malicious site.

Here are a few ways that you can protect yourself for being duped this Valentine’s Day.,

1. Always type the website you wish to visit directly into the browser. Do not click on a link and just assume that it is safe.
2. Don’t click on anything that has been sent from someone you don’t know or from someone you do know but seems out of character.
3. Don’t click on anything that said it was sent by your bank or any other bank. Call the bank up directly to verify the email and type their web address into your browser.
4. Don’t click on a link that says it is an urgent situation. Many times, scammers will try to scare you into thinking you have to click now or something bad will happen. That is never the case. Call the company directly on their known phone number to handle the situation.
5. And most importantly, unlike true love, if something seems too good to be true, it probably is. Research it further.

On this Valentines Day, make sure that you don’t get swept up in the moment and taken advantage of by a scammer. No matter what the holiday is, always make sure that you are thinking with your head and not just with your heart when protecting your most important asset… your identity.

John Sileo loves Valentine’s Day because he gets to celebrate with his wife, whom he has had a crush on since he was 8. He is the author of Privacy Means Profit and earns his keep delivering highly motivational identity theft speeches.

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The month between Thanksgiving and Christmas is the biggest shopping time of the year. As we enter the season of giving there is one thing we should be stingy with – protecting our Identities!

Holiday madness, crazed shoppers and packed malls. While we are bustling from store to store and internet site to internet site trying to complete everyone’s holiday list, thieves and scammers are taking our distraction as a signal to strike. According to the author of Privacy Means Profit and identity theft expert John Sileo, “This is the easiest time of year for thieves to steal wallets, break into houses and profit financially from the season of giving without victims detecting it for a long time.”

With just three weeks until Christmas, now is the time to protect yourself and make sure that your Identity is safe from potential thieves. Just last month, Sileo was hired to speak to the Department of Defense and included some of the most important Holiday Safety Prevention Tips:

* Don’t trust your email. There are so many holiday scams by email that you should read everything with an enormous grain of salt. If someone is promising you something for nothing (free gift, free money, etc.), don’t buy it.
* Protect your home. Your greatest risk during the busyness is all of the extra people that come into your home. It makes it very easy to pocket a check book that’s on your desk or a brokerage statement in your filing cabinet. Especially during the holidays, lock it up!
* Use your credit card. Don’t use checks and don’t use a debit card, as they don’t give you nearly as much protection.
* Carry less in your wallet. It is too easy to steal a purse that is sitting at your feet as you pay or have lunch. The very best advice is to take your drivers license and one or two credit cards with you shopping.
* Watch your statements. Most forms of holiday identity theft can be caught simply by monitoring your checking, debit and credit card accounts frequently. Even better, sign up for automatic account alerts when any transaction occurs on your account.
* Give yourself the gift of Identity Monitoring, like CSIdentity.com.
* Shop on secure websites. Make sure that both the https:// and lock symbols appear in your browser.
* Be cautious in public. Don’t give your credit card number (or Social Security Number) over the phone if someone is within earshot.  Shield your PIN number when entering it at an ATM or card swipe.
* Donate to known charities and only when you have initiated the gift. Don’t respond to phone calls for charity.
* Rotate your credit cards. After the busy holiday shopping season is over, call your credit card company and ask them to issue you a new card (you can tell them that you are concerned that your credit card number was stolen).
* Don’t advertise travel plans to burglars on Social Networking sites.

Distraction is the worst enemy when it comes to crime and the holidays. In addition to spending more money, we tend to be busier, more stressed-out and less careful than other times of the year.  Identity thieves take advantage of this distraction to perform information extraction.

Identity theft expert John Sileo speaks around the world on identity theft, privacy, social networking exposure, cyber crime, social engineering and other forms of information theft. His clients include the Department of Defense, Blue Cross, FDIC, Pfizer and hundreds of organizations of all sizes. Contact him directly on 800.258.8076 or at www.ThinkLikeASpy.com.

Related posts:

1. Identity Theft Prevention this Holiday Season
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3. Scrooge’s Top 10 Holiday ID Theft Protection Tips

What in the world do we have to learn from Ebenezer Scrooge about protecting our identities during the busy holiday season?

Plenty!

Scrooge was a miserly old git who wouldn’t share anything – his coal, his wealth, his love. The ghosts of Christmas Past, Present and Future scared him into realizing that giving generously is what the holidays (and life) are all about. But the ghosts forgot to mention that as he donated his wealth, paid for Tiny Tim’s medical care and purchased gifts for all of London, he should continue to be miserly with his personal information!

Distraction is our worst enemy. During the holidays, in addition to spending more money, we tend to be busier, more stressed-out and less careful than other times of the year. Identity thieves take advantage of our distraction to perform information extraction. In the spirit of Charles Dickens, here are Scrooge’s Top 10 Holiday Prevention Tips:

• Protect your home. Your greatest risk during the busy-ness is all of the extra people that come into your home. It makes it very easy to pocket a check book that’s on your desk or a brokerage statement in your filing cabinet. We’d all like to believe that the people we know wouldn’t steal from us. Unfortunately, statistics prove that identity theft is committed by someone the victim knows approximately 30-50% of the time.  I recommend that you shred every document you don’t need and purchase a Sentry Safe fire-safe to lock up your valuable identity documents. (No, I don’t make money if you buy a Sentry Safe – good question). These make great gifts for people you care about!
• Use your credit card. Don’t use checks and don’t use a debit card. When you use either of these forms of payment, the money is drawn directly from your bank account. If fraud does occur, it’s harder to get the money reimbursed and in the meantime, you don’t have the money to spend. When you use a credit card, nothing is withdrawn from your bank account. In addition, credit cards generally give you a longer period (90 days) to catch the fraud before you are held liable. Debit cards generally give you 30 days.
• Leave your purse in the trunk. For women, take a wallet that fits in your coat pocket and leave your purse in the trunk, or at home. It is too easy to steal a purse (30% of all identity theft) that is sitting at your feet as you pay or have lunch. The very best advice is to take your drivers license and one or two credit cards with you shopping and store them in your front pocket. The chances that you will lose them decreases exponentially as you leave more at home. If you must have a purse, use one that zips and hangs in front of you.
• Watch your statements. Most forms of holiday identity theft can be caught simply by monitoring your checking, debit and credit card accounts frequently. Remember, the pain of this crime gets much worse if you don’t catch it quickly. By monitoring your financial statements, you will catch credit card and check theft immediately. I recommend that you monitor your accounts online, which is fast, convenient and smart. Even better, sign up for automatic account alerts when any transaction occurs on your account. If you spend $1 at a store, you receive an email notifying you of the purchase. If you receive an email for an amount you didn’t spend – bingo – you’re probably a victim of fraud. Visit your bank online to set up account alerts.
• Give yourself the gift of Identity Monitoring. It is impossible to track all of the ways our identities are exposed, which is why I use identity monitoring. To learn about the best way to monitor your online identity (credit reports, non-credit loans, cyber attacks, public records, etc.), read my review of identity monitoring services and learn how to save almost 50% on the best service available. 
• Shop on secure websites. Shopping online can be safer for your identity than shopping in person. But you need to make sure you adequately protect your computer, and that you shop on secure websites. Sites with a good reputation (Amazon, Sears, Lands End, Eddie Bauer – names you easily recognize) are a good place to start. When you begin shopping, make sure that the website address in your browser changes from http:\\ to https:\\ – this lets you know that your private information (name, credit card number, address, phone) will be encrypted so that hackers can’t steal it. Finally, if the Lock symbol appears in the bottom right-hand corner of your browser, click on it and make sure that the security certificate belongs to the store at which you are shopping.
• Don’t trust your email. There are so many holiday scams by email that you should read everything with an enormous grain of salt. If someone is promising you something for nothing (free gift, free money, etc.), don’t buy it. If they are threatening to close your account if you don’t update information online, don’t buy it. If you don’t know the person on the other end of the email, don’t believe it. Delete it.
• Be a Scrooge with what you say. Don’t give your credit card number (or Social Security Number) over the phone if someone is within earshot. Be especially careful about what information you give away over your cell phone in public.  When you are typing your PIN into your ATM or the credit card swiper at the store, cover up your fingers so that the person behind you can’t see. There are so many fraud schemes once someone has your PIN I can’t even describe them here.
• Rotate your credit cards. After the busy holiday shopping season is over, call your credit card company and ask them to issue you a new card (you can tell them that you are concerned that your credit card number was stolen). Make sure they transfer your credit limit to the new account, along with any miles or perks you have attached to that card. Also, make sure than any auto-pay charges set up on your card are transferred to the new card (e.g., if you auto-pay your cell phone bill on your credit card each month, you’ll need to call your cell phone provider and give them the new credit card number). By rotating your credit card in this way, you are making sure that all of the personal data sitting in retail databases is no longer valid. That way, if they lose the credit card number that you used during holiday shopping, it will no longer be valid.
• Hire an identity theft speaker for your next corporate or association event. Okay, that was a shameless plug for my motivational identity theft speeches, but that’s how I make a difference in this world and I guarantee that educating your organization about identity theft will directly improve your bottom line. Corporate privacy begins with personal privacy. Blue Cross, Pfizer, The Federal Reserve Bank, Prudential Real Estate, AIG, AARP and my other recent clients agree. Read what they have to say. Mention this blog post and receive $1500 worth of Stolen Lives at no cost when you book a speech. Unclear about why you would hire an identity theft speaker for your next event? Visit my FAQs page.

Please remember that your private information is YOUR PROPERTY. Treat it with care and have safe and happy holidays.

John Sileo
Identity Theft Keynote Speaker

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