The Christmas rush may be over, but don’t expect crooks to slow down. What to know about post-holiday hoaxes and ways to protect yourself well into 2018 and beyond:
Your credit score is the one constant used to determine whether you’re approved for a loan – and to set interest and premium rates for credit cards, homeowners and auto insurance, even deposits for new utility service. But that three-digit score itself may frequently change.
Notice all those recent TV commercials touting a “December to Remember,” “Employee Pricing,” “Year-End Sales Event” and other proclaimed deals on a new set of wheels?
Rerun rip-offs are nothing new; what’s previously worked for scammers will likely be successful again. And that holds especially true for these three longtime (and historically prosperous) ploys that have resurfaced with a vengeance:
If “smart toys” are on the holiday wish list of the children in your life, know this: The FBI warns that such interactive, internet-connected gifts could be compromised by cyber hackers, and it advises that security precautions be taken before playtime begins.
Year-round, all kinds of phishing attempts lurk in your inbox — from promises of massive wealth from self-described Nigerian princes (or their representatives) to threats of arrest or loss of benefits from supposed employees of government agencies that, in reality, never correspond via email.
“Call from 877-382-4357? Hang up,” warns the Federal Trade Commission. Seems that phone number — better known as 877-FTC-HELP, the agency’s go-to hotline to report scams — is another example in the never-ending plague of spoofing, the practice of deliberately displaying a false number (and sometimes name) on the recipient’s caller ID.
Although not new, hotel “resort fees” and surcharges are higher than ever — predicted to generate a record $2.7 billion this year — and now include previous freebies: parking, holding luggage, early cancellation or checkout, “restocking” of those already overpriced minibar snacks and beverages, and even the privilege of having (but not necessarily opening) a hotel room safe. Other charges include so-called resort fees for services and amenities offered by hotels, even when not used by individual guests: gyms, swimming pools, Wi-Fi, fax services, automatic gratuities for staff, and “complimentary” newspapers and coffee.
For more than a decade, we’ve been told to use “strong” passwords that combine upper- and lower-case letters, numbers and special characters. Not only must passwords be long and complex, the mantra went, but a different password was needed for each online account – changed to another unique (and mind-numbing) letters/numbers/symbols combination every 90 days or so.
A new scam feigning the Make-A-Wish Foundation goes beyond just being despicable for exploiting the respected name of a national charity helping children with life-threatening medical conditions.
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