Credit union protection act wiki

Author: admin | 13.10.2014

DATA BACKUP PLANS43% of computer users will lose important files, documents, pictures, or financial records this year. Phishing scams are the most popular form of tactic criminals use to commit identity theft and credit card fraud online.

E-mails that are meant to phish for your information so they can use it to gain access to your accounts online and usually ask for sensitive information like your password and user name. Credit Counselors Corporation (CCC) is your trusted authority in the credit counseling and debt management industry. Enter your details below to find out how much time and credit card interest payments you can save.

Success Stories"My husband took care of all the finances, so when he passed I didn’t know where to turn. Calculate Your Savings Now!Use this FREE tool to learn how much interest and time you could be saving on your credit card payments. Calculate Savings Now!Your FREE Budget AnalysisClick the button below to begin your FREE budget analysis. Our experienced credit counselors will help you! Adam Palmer on the Cybercrime Frontline - Get the latest information from Norton's Lead Cybersecurity Advisor. Ask Marian - Learn the issues impacting the online security of kids and families from Norton's Internet Safety Advocate. It usually comes in the form of a legitimate e-mail from a website that a user is a member of. It can be difficult to spot whether an e-mail is a form of a phishing attack or a legitimate e-mail and this is one of the reasons many people still fall victim to this sort of online scam. Social Networking sites, online stores, online banks and other websites will never ask you for your password.

A phishing scam aims to acquire sensitive information about yourself, such as your complete name, full addresses, user names and passwords for various websites that you are a member of. Most of the time, if you do forget a password, they send you a temporary password you can use to access your account, so remember, if a website asks you for your password, click on the spam button right away. The world of protecting all of your Internet-accessible devices is growing trickier almost every day. Simple, just remember not to click on any links in an e-mail unless you are absolutely sure that it is from a legitimate website. Whenever you get an e-mail telling you to click on a link to be able to make changes to your account, like updates and verification, it is best to ignore the link in the e-mail and type in the URL if the website on the address bar yourself, log in from there and check your notifications if you do need to make updates or changes to your account. Aspen – Indianapolis, INMy husband took care of all the finances, so when he passed I didn’t know where to turn.

As the security holes are plugged, cybercriminals look for new ones with craftier ways to get you to invite malware onto your devices. The sender is attempting to trick the recipient into revealing confidential information by "confirming" it at the phisher's website. Communications purporting to be from popular social web sites, auction sites, banks, online payment processors or IT administrators are commonly used to lure unsuspecting victims. Be careful when opening attachmentsThink carefully before opening email attachments, especially when these come from senders that you don’t know. Phishing emails may contain links to websites that are infected with malware.[3] Phishing is typically carried out by email spoofing[4] or instant messaging,[5] and it often directs users to enter details at a fake website whose look and feel are almost identical to the legitimate one. Phishing is an example of social engineering techniques used to deceive users, and exploits the poor usability of current web security technologies.[6] Attempts to deal with the growing number of reported phishing incidents include legislation, user training, public awareness, and technical security measures. Many websites have now created secondary tools for applications, like maps for games, but they should be clearly marked as to who wrote them, and users should not use the same passwords anywhere on the internet.Phishing is a continual threat, and the risk is even larger in social media such as Facebook, Twitter, and Google+. Nfcu fraud text

Hackers commonly take advantage of these sites to attack people using them at their workplace, homes, or in public in order to take personal and security information that can affect the user or company (if in a workplace environment). AOHell, released in early 1995, was a program designed to hack AOL users by allowing the attacker to pose as an AOL company representative. Use a strong passwordChoosing a strong password for all services you use (preferably a different password for each service) will make it harder for thieves to gain access to your details.

Once the victim had revealed the password, the attacker could access and use the victim's account for fraudulent purposes.

Read the website’s privacy policyAlmost all websites display a privacy policy, which can usually be found in the footer but is occasionally displayed more prominently. Both phishing and warezing on AOL generally required custom-written programs, such as AOHell.

If you are asked to enter any confidential or personal data, take a look at the site’s policy. Phishing became so prevalent on AOL that they added a line on all instant messages stating: "no one working at AOL will ask for your password or billing information", though even this didn't[tone] prevent some people from giving away their passwords and personal information if they read and believed the IM first.

AOL simultaneously developed a system to promptly deactivate accounts involved in phishing, often before the victims could respond. The shutting down of the warez scene on AOL caused most phishers to leave the service.[14]The origination of the term 'phishing' is said to be coined by the well known spammer and hacker in the mid-90s, Khan C Smith[15] and its use quickly adapted by warez groups throughout AOL. AOL enforcement would detect words used in AOL chat rooms to suspend the accounts individuals involved in counterfeiting software and trading stolen accounts.

Try not to keep financial information on your laptopLaptops are much more likely to be stolen than desktops: try not to store any financial information on your laptop unless absolutely necessary.

Since the symbol looked like a fish, and due to the popularity of phreaking it was adapted as 'Phishing'.Transition to wider-range operationsThe capture of AOL account information may have led phishers to misuse credit card information, and to the realization that attacks against online payment systems were feasible.

Use encrypted sites where possibleSocial networks and websites may ask you whether you would like to turn on encryption – you should select yes if this is an option. Access was also gained to ICANN's public Governmental Advisory Committee wiki, blog, and whois information portal.[27]A chart showing the increase in phishing reports from October 2004 to June 2005Phishers are targeting the customers of banks and online payment services. Emails, supposedly from the Internal Revenue Service, have been used to glean sensitive data from U.S.

A padlock symbol will also be displayed in the address bar, which means that any login or payment processes on the site are secure.12. Check for company email atddressesIf you’re receiving communications claiming to be from your bank, an online store, a social network, or any other company, the email should be sent from an email extension registered to that company. The ransomware scrambles and locks files on the computer and requests the owner make a payment in exchange for the key to unlock and decrypt the files. Do not send or receive money on others’ behalfBanks do not generally allow UK customers to make transfers overseas using Internet banking services and since many fraudsters are based overseas, they require UK residents to transfer funds for them.

In October 2013, emails purporting to be from American Express were sent to an unknown number of recipients. If you have received an unsolicited email from a sender asking to transfer money into your account, this money is likely to be stolen from other UK bank accounts. This technique is, by far, the most successful on the internet today, accounting for 91% of attacks.[43]Clone phishingA type of phishing attack whereby a legitimate, and previously delivered, email containing an attachment or link has had its content and recipient address(es) taken and used to create an almost identical or cloned email. Destroy financial data when throwing it awayThere are opportunities for thieves to gain access to your online accounts without going through your computer – people regularly throw away confidential financial information, including paper copies of online banking logins and so on. The attachment or link within the email is replaced with a malicious version and then sent from an email address spoofed to appear to come from the original sender. Ensure that you destroy any personal information before throwing it away by shredding bank statements and expired cards.16. Nfcu fraud text

Whaling scam emails are designed to masquerade as a critical business email, sent from a legitimate business authority.

The content is meant to be tailored for upper management, and usually involves some kind of falsified company-wide concern.

Whaling phishermen have also forged official-looking FBI subpoena emails, and claimed that the manager needs to click a link and install special software to view the subpoena.[45]Link manipulationMost methods of phishing use some form of technical deception designed to make a link in an email (and the spoofed website it leads to) appear to belong to the spoofed organization.

In reality, the link to the website is crafted to carry out the attack, making it very difficult to spot without specialist knowledge. These look much like the real website, but hide the text in a multimedia object.[60]Covert RedirectCovert Redirect is a subtle method to perform phishing attacks that makes links appear legitimate, but actually redirect a victim to an attacker's website. This often makes use of Open Redirect and XSS vulnerabilities in the third-party application websites.[62]Normal phishing attempts can be easy to spot because the malicious page's URL will usually be different from the real site link. For Covert Redirect, an attacker could use a real website instead by corrupting the site with a malicious login popup dialogue box.

This makes Covert Redirect different from others.[63][64]For example, suppose a victim clicks a malicious phishing link beginning with Facebook. If the victim chooses to authorize the app, a "token" will be sent to the attacker and the victim's personal sensitive information could be exposed.

These information may include the email address, birth date, contacts, and work history.[62] In case the "token” has greater privilege, the attacker could obtain more sensitive information including the mailbox, online presence, and friends list.

Worse still, the attacker may possibly control and operate the user’s account.[65] Even if the victim does not choose to authorize the app, he or she will still get redirected to a website controlled by the attacker. Messages that claimed to be from a bank told users to dial a phone number regarding problems with their bank accounts.[69] Once the phone number (owned by the phisher, and provided by a Voice over IP service) was dialed, prompts told users to enter their account numbers and PIN. This technique operates in reverse to most phishing techniques in that it doesn't directly take you to the fraudulent site, but instead loads their fake page in one of your open tabs.Evil twins is a phishing technique that is hard to detect.

A phisher creates a fake wireless network that looks similar to a legitimate public network that may be found in public places such as airports, hotels or coffee shops.