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How To Spot Common Spam Tactics

Posted by on Friday, March 24th, 2023 in Blogs
Spam tactics - Get Good Credit

In the modern world of interconnectivity, communication, and social media, scammers can operate anywhere in the world to target people who may not be well-informed about scam tactics and fraudulent activity. Luckily, these scammers use common tactics, scripts, and templates to try to steal, making it easier to spot these types of crimes if you know what you are looking for.

Strange Payment Methods

The most common way to spot a scam is when the scammer will demand you pay them via a single payment method of their choosing. These can be one of many different services or payment times and is usually one you haven’t heard of, however, the one thing that connects all these methods is that it’s hard to get your money back once it is sent.

First off, beware of anyone trying to demand payment from you without giving you a clear contract containing information or services. Legitimate businesses will render a service or a guarantee of service before they ask for payment.

Second, the most common payment they would demand is the use of gift cards. If a person or business wants you to pay for their services through the use of gift cards, it is a scam. Gift cards are not a legitimate form of payment, and no genuine business will ask for gift cards as payment. Scammers like gift cards because they cannot be reversed, and it is hard for police or authorities to trace the payments of gift cards since they are usually paid for in cash.

Third, keep in mind the forms of money transfers that CANNOT be reversed. These can include wire transfers, crypto payments, and payment apps like Zelle. Credit cards and services like PayPal will be able to intervene and reverse payments, so most scammers will not ask for these types of payments.

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Phishing Links

With the ease of emails and text messaging comes the danger of phishing attacks. Phishing is a way for a scammer to glean or gather personal information through the use of fraudulent website links or text messaging.

Some phishers will use elaborate scripts or texts to try to convince the victim that they’re from a reputable organization or group. Here are a few things to look out for:

Some emails can be quite clever as they may use company logos, names, or even an email address that looks legitimate, which is most likely spoofed. However, it’s important to scrutinize any phishing attacks by looking for generic language and examining any links that ask for personal information or payment.

If you’re still not sure whether or not an email or a text is a scam, try contacting the company straight from a reliable source and ask.

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Text Codes

Another common scam is when a scammer tries to contact a victim and convince that person to send back a code of some kind. What the scammer is trying to do is steal the victim’s phone number, which could be linked to payment apps and bank accounts, or try to access the victim’s internet accounts such as his or her bank or email.

How this works is that the scammer will say something along the lines of wanting to confirm the victim’s identity or try to prove the victim is also not a scammer. Then the scammer will send a text verification or 2-factor authentication (2FA) code to the victim and wants the victim to send back that code to gain access. A lot of companies use 2FA as an extra layer of security to access accounts, and the scammers know this. So they will try to contact the owner of the account and try to convince them to give up the 2FA code.

The basic rule of thumb: Never give up a 2FA, access, or verification code to anyone else, especially if you do not initiate the code authentication. Beware of anyone trying to send you a code when the person asks for the code back.

Information is the best tool to avoid being scammed, so it’s important to be up-to-date on the current trends of scams and to be suspicious of unknown entities.

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