Ever wondered how someone got hold of your details? As per recent headlines it turns out it’s easier than you think…
If you haven’t seen the film Identity Thief, spoiler alert! It’s a perfect rainy day movie and stars the ever hilarious Melissa McCarthy in the brilliant but ridiculous story of a guy who gets his identity stolen by a con artist and goes to considerable lengths to get it back.
But while the likelihood of having to fight off armed criminals, escape from a bounty hunter, battle venomous snakes and hitchhike through the Midwest before forging new credit cards to get back the original ‘you’ may be low, the film got me thinking about just how many simple ways there are for criminals to steal identities today.
Here are some of the most common forms of everyday identity theft that pose a risk to all of us, as well as some of the ways we can protect ourselves from the harm and damage caused by stolen or compromised data.
The unsolicited phone call
The mis-sold PPI call is a classic, but unsolicited calls from people claiming to be from legitimate companies, agencies or government institutions are increasingly common. They’re usually asking you to renew your contract, confirm your details or update them because of an attempted hack (oh the irony). If you’re not expecting a call, hang up immediately and call the organisation’s customer service number that’s published on their website to ensure the call was legitimate.
The text message
Smishing (a clever portmanteau of SMS and phishing) involves a text that appears to come from a reputable organisation like your bank, mobile provider, PayPal, or HMRC, asking you to click a link, call a number or reply to verify or update your information. Don’t reply or click on anything you’re not expecting and, if in doubt, always contact the organisation directly to check. Most legitimate organisations’ websites will already have information about the ways in which they will and will not contact you.
The mobile phone app
CandyCrush, Angry Birds, that quiz that shows you what kind of cheese you are — social media games and apps help pass the time on long commutes but a lot of them ask for access to your Facebook information. On occasion, scammers (or a certain “analytics” firm) may be waiting behind the app to harvest your and your friends’ personal data and exploit it for nefarious purposes. Happily the Apple and Android teams are getting increasingly stringent on who they let onto their app stores so hopefully this kind of data leak will soon be a thing of the past.
The social media post
Yes getting the perfect filter on your latest Instagram snap is important, but take care if you’re showing off your jazzy new Curve card, latest gig tickets or an embarrassing passport photo. Even if these objects are barely in view, there’s a range of techniques scammers can use to zoom in enough to extract your personal information from objects in pictures posted online.
The nosey “shoulder surfer”
Casting a glance as you fill in a form, lurking nearby when you’re at an ATM, or making a mental note as you type into your phone on the bus, the shoulder surfer is often difficult to detect but is surreptitiously stealing your personal or financial information for their own gains. We know to cover our PIN numbers, but we might not think as carefully when we’re filling things in or typing. Think twice, and check who’s around, when you’re dealing with personal information in public.
The phishing email
A phishing email appears to come from someone you know, or at least from a sender that seems legitimate. Phishing emails request you share or update personal information which is then used to gain access to personal or financial accounts, or to click a link that points to malicious data harvesting software.
If you’re reading this blog in your jim-jams on the sofa at home, the best thing you can do to stop yourself fall victim to a phishing attack is to scrutinise the sender’s email address, look for any language in the email that doesn’t seem quite right, and think twice before clicking an enclosed link or divulging personal info in a reply.
If you’re reading it in a professional capacity — for instance, you’re in charge of your company’s email systems — then DMARC is what you need. DMARC is the government endorsed email security protocol that forward thinking organisations are implementing to protect themselves and their customers from email spoofing and unauthorised use of their email domains.
What are your top tips for spotting everyday forms of identity theft? Let us know in the comments below or over on Twitter at @getOnDMARC.