Whether it's personal loans, student loans, car payments, or credit card debt, people owe more money today than they ever have. If you're one of the millions of people struggling to pay back loans and debts, you've come to the right place. This article explores two of the most common methods of debt repayment [...]
With the internet, we can access vast amounts of information with only a click or tap. This year, the total number of internet users worldwide reached 5.18 billion, nearly two-thirds of the world’s population. And as immense as the internet is, so are the risks. To make sure that your time spent online is enjoyable [...]
AI social engineering scams are on the rise, according to IDIQ Chief Innovation Officer Michael Scheumack. “AI-based social engineering scams, which were at a high percentage last year, are up 100% this year for us,” Scheumack said. IdentityIQ, a trusted identity theft and credit monitoring brand under IDIQ, recently came out with its 2022 [...]
Phone scams are surging. In the last decade, the rise in phone scams has put millions at risk. Last year, more than 70 million Americans lost nearly $40 million to phone scams. Given that number, the need for vigilance and effective countermeasures is evident. Read on to find out how scammers can get a hold [...]
AI voice cloning scams are the newest growing threat to your identity, according to cybersecurity expert Scott Hermann. “This is, without hesitation, the scariest thing I have ever seen,” said Hermann, the founder and CEO of IdentityIQ, a top-rated financial and identity theft protection company. Hermann recently spoke with Fox News about the growing [...]
Day by day, threats to online security continue to rise. Among these threats, spam and phishing are two commonly misunderstood but distinct challenges. In this blog, we shed light on the differences between spam and phishing and provide valuable insights to help you avoid falling victim to these malicious activities What is Spam? Spam [...]
Cookies are a common and core component of the modern internet, but many people often wonder what these "cookies" are, how they function, and whether they should be a cause for concern. This article explores what cookies are, how they work, and how they impact your online experience, privacy, and security. What Are Cookies? [...]
With the significant and growing dependence of online platforms for financial transactions, financial account fraud is becoming a growing concern. In fact, of all new accounts created by identity criminals last year, 62% were financial accounts according to the Identity Theft Resource Center (ITRC). Not only does this pose a threat to every individual, [...]
Protecting your personal information and online identity is crucial, especially as cyber threats continue to gain traction. Cybercriminals are constantly evolving their tactics to get unauthorized access to sensitive data, and having your credentials compromised poses a significant threat. In fact, last year 55% of identity crime cases reported to the Identity Theft Resource [...]
An Internet Protocol (IP) address is a unique identifier for your online devices that enables you to connect to the internet. Everyone uses an IP address, but there are some potential risks if your IP address falls into the wrong hands. It’s important to understand how to protect your IP address to keep you safe [...]
As digital connectivity continues to grow, safeguarding your online accounts from misuse is becoming increasingly crucial. According to the Identity Theft Resource Center (ITRC), last year there was a 13% increase in reports of misuse for both new and existing accounts compared to the year prior. Account misuse can result in alarming repercussions, including [...]
Essentially, a credit card pre-approval offer is an indication from a credit card issuer that you meet certain criteria that make you a potential fit for their card, which they derive from a quick review of your credit history and other key financial factors. It's important to note that pre-approval is not a guarantee of [...]
The risk of identity theft is on the rise, and it's becoming a serious concern. In fact, over the past decade, the number of people who have fallen victim to fraud and identity theft has nearly tripled. The FBI estimates that the total losses from cybercrime in 2023 will reach a staggering $10.2 billion [...]
When you find yourself caught in the web of fraud and identity theft, it's natural to feel overwhelmed. The good news is you don't have to face it alone. There are dedicated support systems and valuable resources in place to help victims recover from identity theft. And when you act quickly with an identity [...]
Understanding the Importance of Your Social Security Number Social Security Numbers (SSNs) are unique identifying numbers assigned to U.S. citizens and eligible residents. Your SSN is used to identify you with a wide variety of third-party organizations, from government agencies to businesses. Criminals who gain access to your SSN may use it to steal your [...]
Picture this: it’s your first week at a new job. You’re knee-deep in training when suddenly you receive an email from the CEO of your company. Hi, Please, can you help me? I am very busy and need your help right now. There is a pending invoice that needs to be paid urgently. Please [...]
Dark web monitoring is a service that scans the dark web for signs that your personal information is being used fraudulently. While the dark web serves many legitimate functions, the anonymity of it also attracts people who are buying and selling illegal goods and services – including stolen personal information. With so many data [...]
Child identity theft is a significant problem in the US. A recent report by Javelin Strategy & Research, sponsored by AARP, found that 915,000 children, or 1 in 80, were victims of identity theft in the past year. Additionally, 1 in 43 children were affected by a data breach from July 2021 to July 2022. [...]
In today's digital age, social engineering scams have become an increasingly prevalent threat. In fact, last year, scams accounted for 80% of reported identity compromises to the Identity Theft Resource Center (ITRC). This was a 3% increase compared to the previous year. Social engineering scams leverage psychological manipulation to deceive individuals and exploit the [...]
Keeping your identity safe from theft is crucial, and freezing your credit is an effective way to do so. Freezing your credit ensures that no one can open new credit accounts in your name without your permission. In this blog, we explain how to freeze your credit, why it's important, and share tips for [...]
To buy a home, you need to apply for a mortgage. But before you do that, you should know how important your credit score is in the mortgage application process since it can significantly impact the mortgage rate you'll be offered. In this blog, we break down the relationship between credit scores and [...]
Criminals who obtain an individual’s personally identifiable information (PII) may share it or sell it online using the dark web. Many companies offer dark web scans that will search the dark web for your information and alert you if they find anything. But it’s important to remember the limitations of dark web scans and know [...]
The dark web is a hidden part of the internet most people can't access. It's where illegal activities, like buying and selling drugs, weapons, and stolen personal information, take place. If you're not familiar with the dark web, you might be wondering what it is, how information gets there, and what happens if your [...]
In a world where cyber threats are increasingly prevalent, the dark web has become a breeding ground for criminal activity. This has left individuals and businesses wondering whether dark web monitoring is worth the investment. This blog explores the ins and outs of dark web monitoring, including what it is, how it works, and [...]
Imagine this: You're eagerly selling an antique dresser on Facebook Marketplace and a prospective buyer communicates interest in it. However, they express concern that you may be trying to scam them. In an effort to establish your credibility as a legitimate seller, they request you confirm your identity with a verification code. Soon enough, [...]
Juice jacking, a new cybercrime trend, is targeting people who charge their phones or tablets at public charging stations. This blog delves into the specifics of juice jacking, including how it operates, the various attack types, the associated risks, measures to help safeguard yourself, and actions to take if you fall prey to it. [...]
Hackers can use different techniques to steal your passwords. One way they can use your stolen personal data is called credential stuffing. Read on to learn more about credential stuffing and how you can help protect yourself. What is Credential Stuffing? Credential stuffing is a cyberattack involving hackers using software to try multiple combinations of [...]
When your Social Security card is stolen, it can be a major cause for concern. The primary concern with a stolen Social Security card is identity theft. With just your Social Security number, identity thieves can wreak havoc in your name, negatively impacting your credit, finances and even commit crimes in your name. As [...]
In recent years, the market for non-fungible tokens (NFTs) experienced a significant increase with its value exceeding $23 billion last year alone, according to DappRadar. However, this growth also led to an increase in NFT scams where bad actors stole login credentials or deceived buyers. In this blog, we explain how these scams operate [...]
Home title theft is a growing threat that can risk your property and financial well-being. Protect yourself by reading this blog, which explains how home title theft works and provides practical advice to help you prevent it. What Is Home Title Theft & How Does It Happen? Home title theft is a type of fraud [...]
Do you know that how you dispute fraudulent charges on a debit card is different than on a credit card? Consumer protection laws differ in each case and knowing the differences can help to keep your accounts safe from identity theft. Mainly, if you need to dispute a fraudulent debit card charge, the funds you [...]
Cryptocurrency scams have become increasingly common as the popularity of digital assets continues to rise. With the potential for significant financial losses, knowing how to help avoid falling victim to these scams is crucial. This blog covers the most prevalent crypto scams and provide tips on helping protect yourself. The Basics on Cryptocurrency What [...]
Have you ever had a delivery guy knock on your door and wondered if there’s yet another package you impulsively added to the cart and then forgot about? Well, you might be receiving a product you never ordered. Instead of it being the delivery website’s fault, it’s likely that you might be a part [...]
Passwords are essential when keeping your information safe on your devices. But unfortunately, many people use weak or the same password, making it easy for hackers to crack them. Research shows that 52% of people reuse passwords for multiple accounts. Luckily, password managers can help by creating and storing strong passwords for different websites and apps [...]
Employment identity theft is when someone uses your name and personal information to gain employment. Like other forms of fraud, employment identity theft is illegal and can have devastating financial consequences for its victims. Here’s what you need to know about employment identity theft, and what to do if you find out you’ve become [...]
While it’s important to be on high alert and protect your identity all year long, tax season is an especially vulnerable time. Every tax season, identity thieves run a variety of scams to get their hands on taxpayers’ personal information. Many scams occur, but most have a common goal: filing a fraudulent tax return [...]
Identity theft is no joke. Unfortunately, it can have some serious consequences for your financial health. One of the most significant impacts it can have is on your credit score. This blog explains how identity theft affects your credit score and gives tips to help protect it. How Does Identity Theft Impact Your Credit [...]
As businesses become increasingly reliant on technology, protecting sensitive information is more important than ever. Data breaches and cyberattacks can result in costly consequences, making strong data security practices essential. In this blog, we cover the top-seven data security practices every workplace should implement to help protect valuable information and more. Why is Data [...]
When you receive a tax refund, you’ve overpaid your taxes for the previous year. The government is returning your money. But receiving a lump sum all at once can still feel like found money. You may be tempted to splurge on something you’ve had your eye on, like a new pair of shoes or an [...]
Tax season can sometimes be stressful even when things go according to plan, but what happens when you are the victim of tax identity theft? Here's a comprehensive guide on tax identity theft, how it works, and what to do if you suspect it. What Is Tax Identity Theft? Tax identity theft happens when someone [...]
Tax season allows con artists to scam taxpayers out of their hard-earned money each year in the United States. These scams range from simple to sophisticated, but many are initiated using a single phone call. Here’s how phone fraudsters are targeting taxpayers this tax season and how you can spot an IRS phone scam. [...]
Scammers are always looking for ways to take advantage of people, and the airline industry is no exception. Whether through fake airline ticket booking sites or fake flight cancellation emails, travelers need to be vigilant and protect themselves from airline scams. In this blog, we provide tips and advice on recognizing and avoiding airline [...]
Romance Scams Romance scams are a type of fraud that involves criminals using deception to take advantage of victims looking for companionship. These scams typically involve criminals posing as potential partners on dating websites or social media platforms. They can often use fake profiles and photos. And they often claim to be from another [...]
Malware is an umbrella term used to describe any malicious software designed to harm, exploit, or extract sensitive data from a system, device, or network.
Ransomware is one of the most common types of cyberattacks. With how vastly the internet has become embedded in our day-to-day lives, cyberattacks such as ransomware can cause costly disruptions. According to the Harvard Business Review, the amount of money paid to ransomware hackers increased 300% from 2020 to 2021. This is after ransomware attacks rose [...]
A VPN is a service that hides your IP address and encrypts your data to ensure your online privacy. Think of it as a private tunnel that allows you to connect to the internet without being tracked or traced.
Staying at a hotel should be an enjoyable experience. But unfortunately, there are many scams out there that can make it a nightmare. To help protect your personal information and money, it is important to be aware of the most common hotel scams and how to help avoid them. 5 Common Hotel Scams Hotels [...]
Tax season is here, and watching out for common tax scams is essential. The IRS reports that tax scams have cost victims more than $23 million in the last nine years. Here are three scams to be aware of and a few tips for how you can help avoid them. Phone Scams A phone scam is [...]
Every year, tax season presents a seasonal opportunity for criminals seeking monetary gain from identity theft. There are many ways that scammers may try to obtain personal information, but the end goal is to file a falsified tax return in the taxpayer’s name and claim a tax refund. The scheme may not be discovered [...]
The traditional way to build credit requires getting a credit card and/or loan and making monthly payments on time. But that activity doesn’t include all the other utility bills you pay. So, it only represents a small portion of your financial behavior. Most utility providers don’t report payment activity to the credit bureaus, which [...]
Losing your phone can feel like the end of the world. One minute it's in your pocket, and the next you can't find it anywhere! Whether it was dropped somewhere, taken by someone, or completely disappeared into thin air, you're now in a whirlwind of worry and frustration. No doubt you are concerned about [...]
We rely on the internet, from communicating with loved ones on social media to working and conducting business. As a result, vulnerability to cybercrime is a serious concern. One of the ways hackers attempt to exploit people is by creating Wi-Fi hotspots that imitate a legit business, organization or even an airport and acts [...]
You might not realize it, but your computer or phone constantly records everything you do. Every keystroke, every website you visit, and every password you type is recorded by a piece of software or hardware called a keylogger or keystroke logger. Keyloggers are used for many different things - from tracking employees' activity to [...]
Scammers are back at it again with a new scheme – called “pig butchering scams” – that targets people looking for love online. This highly sophisticated scam lures people into long-term relationships before selling them on fake online investment opportunities. The scam is quickly spreading. The FBI’s Internet Crime Complaint Center recently saw more than [...]
Most people know a couple who met on an online dating site. What was once a stigma has now become commonplace as access to the internet has grown, and so has the number of online dating sites. Finding love online is now as simple as downloading an [...]
The 20th annual Safer Internet Day is taking place on February 7! Safer Internet Day is a campaign that aims to educate the public on internet safety and encourage everyone to take part in creating a safer internet. Why is Safer Internet Day Important? Online safety is a global issue, with 60% of the [...]
According to the Federal Bureau of Investigation, SIM swap scams are on the rise. The FBI reported that they had received 1,611 SIM swapping complaints with losses of more than $68 million in 2021. If you're unfamiliar with this scam, it takes advantage of people's lack of knowledge of how SIM cards work and [...]
Cybercriminals are incredibly adaptable. They learn new security measures quickly and find new ways to steal sensitive information. One of the most common techniques used to exploit web users is the phishing scam. This article will cover what phishing is, cybercriminals' different approaches, and how to prevent yourself from becoming a victim. What is [...]
Bluetooth is a widely used, convenient technology included on every smartphone, tablet, and laptop computer these days. You can share files, play media, and more with a wireless connection. But like with unsecured Wi-Fi networks, hackers can target your Bluetooth-enabled devices to commit identity theft, install malware, or spam you with messages. This blog will discuss [...]
As the threat of identity theft continues to rise yearly, it’s important to watch out for signs that someone is using your Social Security number (SSN). In this blog post, we will explore the steps you can take to find out if someone is using your SSN and what to do if you discover that [...]
Whether you have a project you are working on or want to give someone a couple of photos, there are several scenarios where you find yourself in need of sharing files. Regardless of the file type you want to share, it is important to consider the safety of the methods you use. In this [...]
With the New Year comes the time for filing your taxes. You should already be preparing to get your information together to file last year’s taxes. When the time comes to officially file, you do not want to end up with missing documents or information. This can significantly lengthen the filing process and even [...]
Shoulder surfing is a type of identity theft practice where someone tries to steal confidential information by spying over their target's shoulder. The objective of shoulder surfing is to steal sensitive information such as passwords, credit card numbers or personal identification numbers (PINs) that can later be used to access accounts for financial gain.
Have you ever looked at your bank statement and wondered, what's the difference between your statement balance and your current balance? Don't worry. You're not alone! In this blog, we're breaking down the differences between a statement balance and a current balance. What is a Statement Balance? The statement balance is the total amount you owe [...]
If attending the biggest sporting events, festivals and concerts is a big part of your vacation plans, it can be a bummer to find out that the ticket deal you scored is a scam. After all, you are making a hefty investment to be there, which you know after budgeting out your vacation. And it [...]
With good credit scores come significant financial advantages. This includes better loan options, lower interest, and more negotiating power. Yet, many people are unsure of precisely what constitutes a “good” credit score. This blog will review credit score ranges and factors that could impact your credit scores. What is a Credit Score? A credit score [...]
The internet makes our lives more convenient but also brings about new threats that we need to be on the lookout for. Every year, up to 10% of Americans fall for a scam, which often leads to the exposure of their personal data, according to Legaljobs. Identity theft also affects around 1.4 million Americans [...]
Recently, thousands of Norton LifeLock customer accounts were compromised in a data breach. Criminal hackers attempted to break into Norton LifeLock customer accounts and possible password managers, meaning they might have gained access to customers’ usernames, passwords and other personal information. The company reports credential stuffing as the likely culprit for the attack. Credential [...]
With a final look back at 2022, we’re rounding up the most searched and visited blog posts from last year. Our most popular topics were primarily concerned with identifying and preventing different types of identity theft and scams. Our readers were interested in topics that covered how criminals can steal their money, access their [...]
With the tax season back, so are tax preparer fraudsters. While many trustworthy and honest tax preparers are willing to help you complete your tax returns, it’s still good to be cautious, especially when you want to protect your identity. Here’s how to avoid tax preparer fraud and what to look for when choosing [...]
Social media has become some of the most popular platforms people spend their time on. Whether you want to check up on your family members, post photos or even meet new people, social media is the way to go. Even businesses take up social media to promote their products and services. What you post on [...]
Most of us are familiar with the concept of identity theft – someone stealing your personal information and using it to commit fraud or other crimes. You can try to take all the proper precautions, but, unfortunately, your identity still might be at risk. For example, this can happen if your passport falls into [...]
With the holiday season upon us, e-cards are a popular way to spread holiday cheer! An e-card is a digital greeting card, typically sent via email. E-cards are slowly taking the place of traditional holiday cards for many reasons. They are typically cheaper, easier to send, more convenient and more animated than a normal [...]
If you're like most people, you probably think a fraud alert is only for people who have been victimized by identity theft before. But that's not the case at all! In fact, anyone can benefit from having a fraud alert on their credit file. So, what exactly is a fraud alert, and how does [...]
College students have many different things competing for their attention, from classes to school activities to an active social life. With all these demands, fighting identity theft might not seem like a pressing matter. But students are prime targets for identity theft, which can cause long-term damage to their finances and credit. Why Are [...]
Is IdentityIQ a scam? Does a company that protects you and your family’s identity really exist? Yes, in fact, IdentityIQ services not only monitor your identity, but you also receive credit report monitoring, meaning your identity and credit are protected. IdentityIQ plans also feature device security with anti-virus and VPN. So, you have complete [...]
Having a good credit score can be extremely beneficial when pursuing important financial goals like opening a credit card, taking out a loan or buying a car or a home. It can even help you land certain types of jobs or rent your dream apartment. For this reason, it’s very important to protect your [...]
Elderly Americans are facing a drastic increase in cybercrime, identity theft and financial abuse. Adults over age 60 last year reported $1.3 billion in cybercrime losses to the FBI’s Internet Crime Complaint Center (IC3) – a 74% increase from the previous year. The fact is, older Americans are a popular target for criminals who [...]
It can be scary finding out that a scammer has stolen your email address, whether it’s your personal or work address. Sadly, there are many ways scammers and hackers can source their victims’ email addresses, including buying them from data providers or the dark web, email harvesting, social engineering, fake websites or social media. [...]
For most U.S. citizens, an official birth certificate may be the most critical document to have in their possession. Birth certificates back up your identity using your name, date of birth, place of birth, your sex/gender as recorded at birth and the identity of your parents. They’re commonly referred to as “breeder documents” because [...]
No one ever expects to be a victim of identity theft. But the unfortunate truth is that it happens more often than you might think. According to AARP, one in four people is the victim of identity theft in the United States. Unfortunately, criminals don't always need your personal information to steal your identity [...]
New Role Further Develops Company’s Strategic Growth Across Identity and Credit Solutions Temecula, California, Sept. 14, 2022 – IDIQ, an industry leader in identity theft protection and credit monitoring, has named Surya Pochareddy to the role of executive vice president, head of M&A and strategy. In this new role, Pochareddy is responsible for spearheading [...]
When people mention identity theft, it’s only natural that your mind goes to the internet, dark web and digital identity theft. However, you’d be surprised to learn about the number of people actively digging through your trash to find information on your identity. Statistics from the Green Team indicate that Americans receive more than 4 million tons [...]
Computer viruses are malicious programs that can disrupt computer systems, hijack or steal sensitive data, spy on users and spread to other computers on the same network. Technology improvements may mean the “Wild West” days of rampant computer viruses are over, but you still need to take steps to protect your devices. Most modern [...]
If you’re planning a vacation around the country, traveling has never been easier, especially with so many rideshare opportunities available to make it easy to get around. Apps like Uber and LYFT are highly accessible and easy to use. Many people rely on them, but it’s important to know that ride sharing apps are associated [...]
It's natural to feel sleepless, worried and anxious once you realize you've become a victim of identity theft. You might wonder what to do. You might also wonder if you should report the identity theft to police. Here’s help in finding out if you should report identity theft to your local police department. When Should [...]
The media often covers data breaches and cyberattacks that expose the personal data of large groups of people, leaving them vulnerable to identity theft and other forms of fraud. One of the best ways to help protect yourself from digital threats like these is to safeguard your data online. But your personal data isn’t just [...]
Peer-to-peer, or P2P, payment platforms like PayPal, Venmo, and CashApp are popular because they’re quick, convenient, and easy ways to send money to other people electronically. When used as intended, payment apps are relatively safe, but they lack some fraud protections and features that traditional payment methods like credit cards and debit cards have. There [...]
When you apply for a mortgage loan to buy a home, you have to share a lot of personal information with your mortgage broker and lender. You may need to provide sensitive information such as your name, address, Social Security number, pay stubs, bank statements, information about your investment and retirement accounts, copies of your [...]
Are you looking to sell a couch, buy gently used patio furniture or offload that baby swing sitting in your basement for years? Facebook’s Marketplace is a one-stop platform that lets you do all of this – connecting you beyond your friend network to members of your community, enabling you to buy and sell [...]
Do you freely give out your phone number when you’re signing up on a shopping website or meeting a new acquaintance? If so, you should know that criminals can use your phone number to commit identity theft. For example, scammers may try to spoof (impersonate) your legitimate phone number to contact your friends and family, [...]
When it comes to identity theft, young adults are a primary target. Students are four times more likely to be targets of fraud that can go undetected for years compared to other consumers. In fact, 15% of students deal with severe or moderate impacts from fraud, according to a report from Tulane University. Criminals [...]
Competition grows fiercer by the day in the nation’s hottest housing markets, and that translates to a competitive rental market as well. But this uptick in demand for apartments and rental homes has resulted in a tighter rental market, opening the door for scammers preying on the desperate. In fact, the Better Business Bureau warns renters [...]
These days, we live our lives online. Whether we’re ordering groceries or looking for new shoes, all we need to do is create an account, fill out some basic personal details and log in. But what happens when that account is compromised – or when we think that account is compromised? Maybe you get an [...]
When a scammer has the right information, they can easily impersonate you on social media by cloning your account. It’s pretty simple to do when much of the information that scammers need is publicly available on the real person’s profile. Criminals can use cloned social accounts to scam your friends, commit identity theft and even [...]
Times of tragedy often bring out acts of charity. But unfortunately, they also bring out scammers hell-bent on exploiting the situation. And the Russian-Ukraine War is no different. As Russia continues to invade Ukraine, more and more Ukrainians are getting displaced, and millions are fleeing the country. So, it makes sense for people to [...]
A boss scam is a phishing (email) or smishing (text messages) scam used by hackers. Hackers send fraudulent emails or texts in the boss scam, impersonating your boss or another executive. Information gathered through such scams can then be used for illegal activities and identity theft. The Better Business Bureau has warned the public [...]
According to recent reports, identity theft is on the rise. Javelin Strategy reported identity theft resulted in an annual loss of $56 million in a mixed result of different criminal and fraudulent activities last year. When it comes to keeping your business database secure, there can be numerous challenges. If you are worried about [...]
SIM swapping, also called SIM splitting or hijacking, is a technique employed by online fraudsters to gain access to, seize and control a victim's phone number and SIM information. They gain access to the victim’s identity and information through their phone company and use the information to conduct theft and other fraudulent activities online. Recently, [...]
As annoying as software updates are on your phone, they are necessary to help protect you. With every update that you get, your phone's performance can improve. On the other hand, ignoring these updates can make your phone slow, hang frequently and be incompatible with different apps and software. It can also make your [...]
