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Follow on Google News | Are You a Target For Common Types of Fraud?By: Edward Jones Your identity • Computer intrusion: Anyone who owns a computer or other electronic device connected to the internet could be a target for this scam. A typical scenario involves a call alleging to be from a well-known computer or software company offering to access your home computer to fix errors they have detected. Keep in mind that computer companies have absolutely no way of telling from a remote location whether a computer has software issues. To help prevent computer intrusion, never allow anyone you don't know to gain access to your computer, and always keep your virus detection software current. • Identity theft: The identity thief uses someone else's personal information to obtain money, receive services or secure employment. With synthetic identity theft, an imposter creates a new identity by altering the victim's personal information so that credit bureaus create subfiles for the new accounts. Skilled identity thieves obtain personal information in a variety of ways. The scam can be as simple as a stolen wallet or as complicated as a corporate data breach. Your money • Grandparent scam: When a grandchild calls with an urgent need for cash, the grandparent often feels compelled to help. Scam artists have been known to impersonate loved ones, tricking older adults into providing personal information that can convince them the call is legitimate. A good way to confirm the caller's identity is to ask questions that only your loved one can answer. Also consider calling your loved one back at a number that you have on file and know to be correct. • Inheritance scams: This scam often involves an overseas attorney searching for a beneficiary for his or her deceased client. Many times, authentic-looking forms with official seals, stamps or signatures are used to make the offer appear legitimate. • Long-distance relationship scam: Scammers often use email and other social media sites to search for potential victims. The scammer may claim to be a U.S. citizen temporarily overseas. As the online relationship develops, so does your trust. At some point, the scammer will request money for an urgent need – and may claim "you are my last hope." If you send a payment, inevitably more money will be needed. • Lottery and sweepstakes scams: The idea of winning millions in a lottery or sweepstakes can be exciting. If it sounds too good to be true, though, it probably is. Contact your local financial advisor If you've been victimized by a scam, contact your local financial advisor for further guidance. You should also report the crime to the Federal Trade Commission (FTC). https://www.ftccomplaintassistant.gov/ End
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