Don’t Fall For These Scams

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The following is a guest post. Enjoy!

Don’t Fall For These Scams
I consider myself to be a pretty trusting individual, but the sad fact of life is that there are a lot of individuals out there trying to scam and defraud you.  Below is a list of the most common scams in the United States right now according to the FBI, and what you can look out for to protect yourself.

Telemarketing Scams

There are a wide range of telemarketing scams going on right now.  Most of them are typical sales pitches, but most require payment prior to actually even hearing what you “win” or are going to get.  They may even be offers for credit cards or other financial products, but may require some type of upfront payment.  The bottom line is never give anyone payment over the phone before services are rendered.



Identity Theft

Identity theft is when someone steals your personal information and uses it to perform fraud or other criminal acts.  Many times, your identity will be stolen to open a line of credit, which is then used to purchase things.  The victim is on the hook for the debt, and the thief gets away.  To protect yourself, never give out your personal information, and immediately report any suspicious activity on your bank statements.  Also, make sure that when you throw away important papers, you are shredding them and not just putting them in the trash. 

Advanced Fee Scams

Advanced fee scammers are cons where the individual or company requests a fee in advance of some promised service.  Usually, the promise is something of greater value.  For example, there have been companies promising car insurance comparison and getting you the lowest price.  However, after paying for the comparison service, the company just disappears and you are out of the money you paid up front.

To protect yourself from this, make sure you know the business you’re dealing with is reputable, and that you fully understand the agreement you are getting into.  Be wary of dealing with people you’ve just met, or are online and you can’t verify them for sure.  A good resource for this is the Better Business Bureau, which can help you identify legitimate and illegitimate organizations.  

How about you all? Have you ever been a victim of any of these scam artists? If so, what happened? If not, what steps do you take to protect yourself? 

Share your experiences by commenting below!

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