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 Topic: Identity Theft

1.   Spoofing and Phishing Defined.
2.   What is phishing?
3.   How does phishing work?
4.   What does a phishing scam look like?
5.   The dos and don'ts of dealing with suspicious e-mail.
6.   What to do if you've responded to a phishing scam.

1.  Spoofing and Phishing Defined.
 E-mail spoofing involves forging a sender's address on e-mail messages. It can be used by malicious individuals to mislead e-mail recipients into reading and responding to deceptive mail. These phony messages can jeopardize the online privacy of consumers and damage the reputation of the companies purported to have sent the messages. Spoofed e-mail often contains phishing scams. In a phishing scam, a spammer, posing as a trusted party such as a bank or reputable online vendor, sends millions of e-mail messages directing recipients to Web sites that appear to be official but are in reality fraudulent. Visitors to these Web sites are asked to disclose personal information, such as credit card numbers, or to purchase counterfeit or pirated products.
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2.  What is phishing?
 Phishing (FISH.ing): Creating a replica of an existing Web page to fool a user into submitting personal, financial, or password data. Phishing is a type of deception designed to steal your identity. In phishing scams, scam artists try to get you to disclose valuable personal data like credit card numbers, passwords, account data, or other information by convincing you to provide it under false pretenses. Phishing schemes are usually delivered online through spam e-mail or pop-up windows. However, they can be carried out in person or even over the phone.
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3.  How does phishing work?
 A phishing scam sent by e-mail may start with con artists who send millions of e-mail messages that appear to come from popular Web sites or sites that you trust, like your bank or credit card company. The e-mail messages, pop-up windows, and the Web sites they link to appear official enough that they deceive many people into believing that they are legitimate. Unsuspecting people too often respond to these requests for their credit card numbers, passwords, account information, or other personal data.
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4.  What does a phishing scam look like?
 As scam artists become more sophisticated, so do their phishing e-mail messages and pop-up windows. They often include official-looking logos from real organizations and other identifying information taken directly from legitimate Web sites. To make these phishing e-mail messages look even more legitimate, the scam artists may place a link in them that appears to go to the legitimate Web site (1), but it actually takes you to a phony scam site (2) or possibly a pop-up window that looks exactly like the official site. These copycat sites are also called "spoofed" Web sites. Once you're at one of these spoofed sites, you might unwittingly send personal information to the con artists. They then often use your information to purchase goods, apply for a new credit card, or otherwise steal your identity.
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5.  The dos and don'ts of dealing with suspicious e-mail.
 Dos and Don'ts:

  • Do report suspicious e-mail.
  • Do be wary of clicking on links in e-mail messages.
  • Do type addresses directly into your browser or use your personal bookmarks.
  • Do check the security certificate when you are entering personal or financial information into a Web site.
  • Don't enter personal or financial information into pop-up windows.
  • Do update your computer software.
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6.  What to do if you've responded to a phishing scam.
 If you think you've been the victim of fraud or a scam:

Step 1: Report the incident to TRICARE at:
TRICARE Management Activity
Attention: Privacy Office
5111 Leesburg Pike, Suite 810
Falls Church, VA 22041

Step 2: Change the passwords on all your accounts

Step 3: Contact the the fraud departments of the three consumer credit reporting companies to place a fraud alert on your credit report. The fraud alert tells creditors to contact you before opening any new accounts or making changes to your existing accounts.

Step 4: Routinely review your credit card and bank statements

Step 5: Use up-to-date antivirus and anti-spyware software

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