Be on guard. Phishing occurs when a fraudster impersonates a legitimate company or organization using email, faxes, and/or websites in an attempt to lure recipients into revealing confidential information. Quite often, the tone of the email is urgent, leading recipients to believe there is something wrong with their account. They are urged to take immediate action, which often includes opening an attachment or clicking on an embedded link to go to the “company’s” website to update, verify, or review account information. When the victim logs in or enters confidential information, they are actually giving it directly to the criminals. Vishing (voice phishing using the phone) and SMiShing (phishing via text messages) are two newer, but just as dangerous, forms of phishing that consumers and businesses need to be aware of.
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