KMR Knowledgebase Publications Your Identity In Crisis: Skimming, Phishing, Dumpster Diving

Your Identity In Crisis: Skimming, Phishing, Dumpster Diving

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Written by Florida Consumer Services
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Skimming

Skimming is the theft of credit card information used in an otherwise legitimate transaction. There are a number of different skimming techniques, but each involve a small, electronic storage device that traps information from the magnetic strip on a consumer's credit card when it is swiped during a transaction. These devices have been found to be used by restaurant staff and even attached to gas pumps and ATM's. Some are now Bluetooth compatible, meaning the fraudster can simply drive by and download the information once the device is in place. There are a variety of ways that consumers can minimize the threat of skimming. When dining out and cash is not readily available, try to use a major credit card to pay for the transaction. If you use a credit/debit card that's tied to your bank account, try to always use the "credit" option and avoid using your pin. Most credit issuing companies offer protection against fraudulent charges but those charges aren't always covered when using the PIN feature on your debit card. When using an ATM or paying for gas at the pump, examine the card reader thoroughly. If it appears loose or your card doesn't seem to slide smoothly, immediately notify the bank or gas station manager.

Phishing

Phishing is a term used when scammers falsify their identity, normally by stating they represent a legitimate corporation or governmental agency. They try to entice the consumer into revealing their personal information such as bank account numbers, Social Security numbers, passwords, or other sensitive data. Phishing attacks can happen through the internet, email, regular mail, or your telephone. A new twist on a phishing scam has been reported where the victim has a phony parking ticket placed on their car while shopping. The ticket directs the person to a so-called "official" website that claims to have photos of the violation. Visiting the website can cause malware (malicious software) or a computer virus to be downloaded on to your computer. This software/virus may even allow the user's keystrokes to be captured, potentially giving the fraudster access to online passwords, account numbers, and any other sensitive data. Help put a stop to this... If you do get a phishing email, forward it to "This email address is being protected from spambots. You need JavaScript enabled to view it.", as well as to the company, bank, or organization being impersonated.

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