PHISHING & SPOOFING
Phishing attacks use email or malicious websites to infect your machine with malware and viruses to collect personal and financial information. Cybercriminals attempt to lure users to click on a link or open an attachment that infects their computers, creating vulnerabilities for criminals to use to attack.
Phishing emails may appear to come from a real financial institution, e-commerce site, government agency, or any other service, business, or individual. The email may also request personal information such as account numbers, passwords, or Social Security numbers.
When users respond with the information or click on a link, attackers use it to access users’ accounts.
Spoofing attacks use email addresses, sender names, phone numbers, or website URLs that are disguised as a trusted source. Cybercriminals attempt to deceive users by changing one letter, symbol, or number within the name.
This tactic is used to convince users that they are interacting with a familiar source. Cybercriminals want you to believe these spoofed communications are real to lead you to download malicious software, send money, or disclose personal, financial, or other sensitive information.
HOW CRIMINALS LURE YOU IN
The following messages from the Federal Trade Commission’s OnGuardOnline are examples of what attackers may email or text when phishing for sensitive information:
• “We suspect an unauthorized transaction on your account. To ensure that your account is not compromised, please click the link below, and confirm your identity.”
• “During our regular verification of accounts, we couldn’t verify your information. Please click here to update and verify your information.”
• "Our records indicate that your account was overcharged. You must call us within 7 days to receive your refund."
SIMPLE TIPS
• Play hard to get with strangers. Links in email and online posts are often the way cybercriminals compromise your computer. If you’re unsure who an email is from—even if the details appear accurate—do not respond, and do not click on any links or attachments found in that email. If you are concerned about the legitimacy of an email, call the company directly.
• Think before you act. Be wary of communications that implore you to act immediately. Many phishing emails attempt to create a sense of urgency, causing the recipient to fear their account or information is in jeopardy.
• Protect your personal information. Cyber criminals can also use social engineering with these details to try to manipulate you into skipping normal security protocols.
• Be wary of hyperlinks. Avoid clicking on hyperlinks in emails and hover over links to verify authenticity.
• Double your login protection. Enable multi-factor authentication (MFA) to ensure that the only person who has access to your account is you. Use it for email, banking, social media, and any other service that requires logging in.
• Shake up your password protocol. According to National Institute of Standards and Technology guidance, you should consider using the longest password or passphrase permissible.
• Install and update anti-virus software. Make sure all of your computers, Internet of Things devices, phones, and tablets are equipped with regularly updated antivirus software, firewalls, email filters, and anti-spyware.
For more information and steps to take if you believe you received a phishing email,