Don’t Take the Bait: Avoiding Phishing Scams

What is Phishing?

Phishing is a type of scam where criminals impersonate a trustworthy entity in a message (email, text, call, etc.) to trick you into revealing sensitive information, allowing scammers to steal your funds or identity. Phishing is the most reported cybercrime according to the FBI’s Internal Crime Complaint Center with billions of dollars lost globally each year. These scams are tricky to spot because they exploit trust and urgency rather than technical vulnerabilities (like weak passwords).

Types of Phishing Scams

Phishing scams take many forms, but learning how they appear helps you identify and avoid them.

Email phishing:The most common form of phishing—fake emails that look real, designed to fool you into giving away your personal or financial information.

Bulk phishing: A type of phishing message that’s sent to hundreds or thousands of targets at once; these messages appear to come from trusted businesses or organizations that are common or broadly recognizable.

Smishing (SMS phishing): A phishing attack that uses text messages to trick you into clicking a malicious link or sharing sensitive information.

Vishing (voice phishing): A scam where attackers call you and pretend to be from legitimate companies or agencies to get you to share private information over the phone.

Social media phishing: A type of phishing that uses fake accounts, posts, or direct messages on social media to lure users into revealing personal information or clicking harmful links.

How to Spot Phishing

Scammers often try to earn your trust before taking advantage of it. The best defense is a little skepticism toward any message that asks for your personal or financial details or implies a need to act quickly to avoid a bad consequence. Luckily, even the most convincing scams usually contain small red flags that give them away.

Always double-check the sender’s info first. It’s easy to miss small details, like an extra letter in an email address or a slightly different domain name. Scammers count on you to rush through and not notice these subtle changes, so take a second to look closely to see if the contact information matches the company’s email domain or number exactly. Also, look for poor spelling, unusual grammar, or an odd tone. Often, scammers use urgent or threatening language to pressure you into answering quickly: “Your account will be closed,” or “Act now!” Finally, legitimate companies will never ask for sensitive information like passwords, social security numbers, or bank details through email or text.

How to Protect Yourself from Phishing

No matter the message, always pause before replying or clicking a link. Hover over any link (or press and hold if on mobile) to see where it really leads; the web address should match the company’s official site and start with “https.” Be cautious of misspelled domains or unexpected attachments, and when in doubt, visit the website directly instead of using the link in the message.

Another way to avoid becoming a victim of phishing is to enable two-factor authentication (2FA) on your accounts whenever possible; this simple step adds an extra layer of protection, even if someone manages to steal your password. Also, make sure you’re using trusted security software and keep all your software updated, since updates often include patches that block known threats. Back up your important data regularly, either to the cloud or an external drive, so you can recover it if your system is ever compromised.

What to Do If You Fall Victim

Suspect a scammer has your information, like your Social Security, credit card, or bank account number? Place a fraud alert or credit freeze with the three major credit bureaus (Equifax, Experian, TransUnion)—this fraud alert makes it difficult for identity thieves to open accounts in your name. Also, watch your mail and credit statements carefully to see if you notice anything unusual.

Should your bank or credit card information get stolen, contact your bank and card issuer immediately. Ask them to cancel the card, reverse any fraudulent charges, and issue a new card.

If login credentials or passwords were compromised, change your passwords immediately on all affected accounts or any account that shares that password. Use unique, strong passwords for each login, and remember, enable two-factor authentication wherever possible.

Not sure what’s been compromised? Monitor your email and financial accounts closely for any signs of unauthorized activity. Also, enable alerts from your bank or credit card company for transactions, and consider placing fraud alerts on your credit reports just in case.

How To Report Phishing

If you got a phishing email or text message, report it. The information you give helps fight scammers.

• Email: forward it to the Anti-Phishing Working Group at reportphishing@apwg.org.
• Text message: forward it to SPAM (7726).
• Report the phishing attempt to the FTC at ReportFraud.ftc.gov.

Phishing works best when people act fast and think later, so take your time, verify what you see, and trust your instincts (if something feels off, it probably is). Staying alert online is the easiest way to protect your information and avoid becoming a target.