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What are
Financial Scams?

Financial scams that have to do with identity theft and digital identity fraud are a growing and menacing problem that affects many regular people. Numerous financial scams can make you a victim of identity theft and substantial monetary loss. These scams can also affect your credit and associated credit records, which could harm your ability to access credit lines and open new accounts.

What are Financial Scams
Financial Identity Fraud

Financial Identity Fraud

This type of fraud is widespread on the Internet. Every time somebody impersonates you is an opportunity to steal your money. There are many ways it can happen. The most common practices are falsifying bank information so fraudsters can receive money on your behalf and other illegal use of your personal information.

Phishing Scams

Phishing Scams

Scammers send out bulk emails to Internet banking and financial application users asking them to submit or verify their personal information. These details may include account logins, passwords, or other private, identifiable details they can use to steal your data and access your accounts.

Scam Websites

Scam Websites

Internet technology makes it very easy to create websites or applications that appear legitimate. Many fraudsters are building websites that look identical to the authentic sites of the services you usually use. However, the difference is that the minute you submit or fill out any forms with your information, it is intercepted and stolen by the fraudsters and quickly re-sold online to underground hacker groups and other digital criminals.

Card Fraud

Card Fraud

This particular scam involves the physical or digital theft of your credit or debit card or other charge account information. Since you often don't realize the card is missing, scammers charge multiple items or services on your accounts before you can report the damage and stop any financial loss. Experts recommend that you review your credit and debit card statements thoroughly to make sure nobody uses your card in an unauthorized manner.

Skimming Scams

Skimming Scams

Even during a legitimate transaction, there is always a risk of "skimming." This involves directly stealing your account information off of a credit or debit card. Usually, the scammers use a special electronic device that copies your account information and allows the fraudsters to use this information to initiate transactions without your knowledge or authorization. It's tough to detect this type of scam since you are unaware that fraud is taking place most of the time.

Counterfeit Cards and IDs

Counterfeit Cards and IDs

Fraudsters also perpetrate a scam known as "counterfeiting," by stealing your card information and actually creating a fake card to use as they please. In this case, the victim is rarely aware that the scam is taking place because they still have possession of the original card or their original identification document.

Cash Advance Scams

Cash Advance Scams

Scammers use another technique to entice their victims by offering cash advances or advance credit on services to bait you into providing personal information. It works because they provide you some form of advance with terms that are hard to resist with the sole purpose of stealing and misusing your financial and bank account information to take money out of your accounts, leveling excessive fees, and initiating unauthorized money transfers.

Other Financial Crimes

Other Financial Crimes

Anything can be used by scammers to lure you in and steal your information, be wary of types of communication and messages you receive from people pretending to be in a position of authority who promise you things and financial rewards that seem too good to be true. Other financial scams include inheritance, wills, personal court decrees, and other scams that appear legitimate, and use your personally identifiable information to make the scam appear very convincing.

How Can I Protect Myself Against Financial Scams?

Keep Your Information Private Keep Your Information Private

We strongly recommend that you keep all your personal information private, such as any identifiable pieces of data from your account records, including bank records, account numbers, routing numbers, address, zip code, name and contact info, and other personal data.

Protect Your PINs and Passwords Protect Your PINs and Passwords

Always keep your PINs secret. Never disclose your passwords to anyone and update them frequently. Create complicated passwords and never use any of your personal data in your password or PIN combinations.

Store Your Information Securely Store Your Information Securely

Always make sure that any website or online service that you frequent is utilizing the latest security protections and certificates that allow for safe and secure personal data exchanges and storage. Do not send your personal details by email or text, and never fill out or submit any forms on sites that you do not recognize.

Check If Your Accounts Were Breached Check If Your Accounts Were Breached

Use our free scan to see if any information about you and your accounts seems out of place, incorrect or suspicious. We recommend that you regularly scan your personal details to see if your information has been breached or exposed.

Verify How Much Data is Exposed Verify How Much Data is Exposed

The more information available about you online, the higher the chance that some scammer will use it against you. To avoid financial scams, we recommend checking how much of your personal information is considered exposed on the Internet.

Sign Up for Identity Monitoring Sign Up for Identity Monitoring

The best way to keep an eye on your information and other personal data is to use an online identity monitoring service. You will receive notifications and alerts every time a breach or exposure of your personal information occurs, or your details are found on scam sites. Prevent becoming a victim of financial scams by proactively monitoring your identity.

Popular Questions About Financial Scams

How likely am I to become a victim of a financial scam?

Almost 1 in 4 people are affected by identity fraud, and a large part of identity theft is financial fraud. Unfortunately, the chances of the average person experiencing financial scams are very high. We strongly recommend a free scan to check on what information is available out there on the Internet about you.

Can financial scams result in a monetary loss?

Yes, many financial scams perpetrated on the Internet cost consumers a lot of time and money to identify and resolve. They can also result in huge financial losses and stolen money or other various personal assets.

How can I protect myself from a financial scam?

There is no way to protect yourself 100% from all scams. However, an excellent way to be proactive is to sign up for identity monitoring that notifies you when your personal information shows up on scam sites. This way, you can keep an eye on what is happening with your data and take precautionary measures if you suspect unauthorized activity.

Does Identity Monitoring help identify financial scams?

Identity monitoring cannot protect you from all financial scams, but it will provide you with a very valuable tool to watch your personal information and to identify any potentially harmful situations that may result in a financial loss.

What to do if I am a victim of a financial scam?

If you think you have been a victim of a financial scam, you must notify your financial institutions immediately, place a freeze or hold on any of your accounts and credit records, and go through your financial statements to identify any damage done or money stolen.

What are the signs of a financial scam?

The most obvious signs are unauthorized transactions in your bank accounts and credit or debit card accounts. Look for unexpected notifications or messages from your financial institutions, letters, and emails that you do not recognize or have requested, incorrect or erroneous financial information on your accounts and other records that look suspicious.

Is your scan tool free to use?

To check the health of your identity and associated private information, you can run a free scan and receive a complimentary quick summary of what is available about you and what types of personal records are exposed on the Internet. The scan is free; if you want to take advantage of all our benefits and alerts, you can sign up and pay a minimal monthly fee.

How easy is it to detect a financial scam?

Usually, financial scams are difficult to detect because the victim is not aware that the fraud is occurring. The best way to ensure your information stays secure is to take a proactive approach, check all your accounts for any suspicious activity, and use an identity monitoring service for regular financial alerts.

Can identity monitoring & protection help avoid financial scams?

Identity monitoring and protection cannot protect against all financial threats and scams, but it will give you a valuable tool to use to monitor your information and get access to alerts and notifications if your data becomes compromised.

What is included in your financial records monitoring service?

Our Ultimate protection service gives you access to regular credit information and reports, credit restoration service, regular alerts, and notifications if your information is found on scam sites, along with other useful tools included with our membership services.