Remember the credit cards you recently had to get replaced for chip-and-PIN-enabled ones? While the new cards you got in the mail are still safer than the old ones you (hopefully) shredded, some thieves have caught up. Here’s how to keep your information safe.
Email phishing has been part of the identity theft and fraud playbook for some time. You’ll get an official-looking email from an official-sounding sender (think IRS, credit card company, bank) asking to verify some aspect of your account for some important reason.
Replacing all those credit cards was a big deal requiring millions of mailings and customer-service phone calls. Enter email phishing scammers pretending to be from your credit card company or bank.
Why this wave of scams may be worse.
Simply put, the thieves are getting better at design. Today’s phishing emails often come with very realistic-looking company logos, more-closely-matching colors/branding and well-laid-out content.
Don’ts and dos.
The main advice for phishing emails remains the same: don’t click on links asking for your personal information. Ever. Assume banks and credit card companies won’t ask you to part with personal information through an email. If you get an email from a financial institution, pick up the phone and call the number on the back of your card.
If you do happen to click on a link (everybody’s human!) or just want some extra peace of mind, TransUnion® can help. With our Credit Lock, you can lock thieves out of your TransUnion credit report with a single touch. When your report’s locked, nobody else can use it to apply for credit in your name.
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What You Need to Know:
There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender.
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