HUGE piece of information: The IRS, Microsoft, American Express, your Bank, or any other company you deal with will not call you on the fly and ask you to provide credit card information or personal information to “save” you. Nor will Gmail, Yahoo, AOL contact you to give them your password so they can help run care check. Lastly, and this is so key: Googling a phone number on the internet to a company should be looked at with scrutiny-hackers may use like words in their website names to draw out people who are looking for help. Facebook have also been effected by ruthless scammers. Think you forgot to Like a friend but can’t understand why? Maybe it’s because a hacker wants to redirect your like so they duplicate a request.As a former Credit executive, I’m extremely concious of the ways in which Credit can effect everything from Home Loans to buying power to employment opportunities. Before the onset of the all and powerful Internet (get the reference to Wizard of Oz?); Credit was limited to the material choices One made – good or bad.  BUT—–Credit is NO longer safely tucked away with us as the key holder……

In Today’s world, creative ways to tap into the most sacred parts of our Credit may be as simple as dialing a phone or tapping on a computer while drinking the first cup of coffee. I, like many others, have been plagued by potential Internet hacks. Just recently, the phone seems to be wonderful outlet for scammers and sadly I’ve know people who fell victim to this intrusion.

When you read this don’t just think of your own situation and whether you would or wouldn’t fall prey. Think of those around you– elderly relatives/friends, children, normally unsuspecting people who may think that a nice person on the line is someone they can trust. Yes, don’t lose site of our charitable or courteous nature but be careful when the conversation turns into providing information that could effect your credit.

Here’s a great article that talks about Phone scams and how they can affect you.