There are many types of scams out there attempting to trick you. Here are a few of the most common types and what you should do if you run across them.
Cashier’s Check Scam - You receive a check payment with a request to wire the difference back to the sender
Unsolicited checks in the mail are nearly always fake. If you ever question the legitimacy of a check, take it to your bank for verification & throw the fake check away.
Phishing - You receive an email asking for personal information or an urgent request.
Fear is often used to make you act before you think. Do not reply or click on any links. Forward the email to email@example.com and delete the original.
Stranded Traveler - You receive a message from someone claiming to be your loved one saying they are in trouble and asking you to send cash
Never send money until you can verify (talk to!) the recipient. Chances are, your sister didn't go on a trip to Mexico you didn't know about, so she's not in a Mexican prison.
Lottery & Sweepstakes - You receive a message that you are the winner in a lottery or sweepstakes and need to send money to collect your winnings
True sweepstakes & lottery winnings do not require you to send money - or Itunes cards - to increase your chances of winning or collect your prizes. Delete the message.
Nigerian Prince - You receive an email from a Nigerian Prince, asking you to help recover a large sum of money and needing your account to cover fees
100% of the time, this is a scam. In fact, it is one of the oldest email scams out there. Never provide your financial information via email.
Online Dating - You get to know someone online and once you feel as though you've really made a connection, they ask you to send money
Never send money to someone you have not met in person. Your online paramour may be a lovely person, but they also may be someone sitting in a cubicle on the opposite side of the world from where you were led to believe.
Rent Below Market - You see a house online that is for rent well below the market rate. The pictures look good, but the owner isn't available to show it, and you'll have to put up first, last & security deposit to get the keys
A legitimate landlord will always arrange to have someone meet you to show you the inside of the unit. Chances are, the photos you viewed you from another listing by the actual owner who has no idea you're trying to rent their house.
Work-from-Home - You apply for a work-from-home job that looks a little too good to be true
Work-from-home is great when it is for a legitimate company. But before you provide any of your personal information - or your money - check the company out on the BBB for fraud alerts.
"Charity" Solicitations - You receive a donation request from the "Red Cross" after a disaster asking you to send money
Scammers will often pose as legitimate charities, especially in the wake of a disaster. Never wire money to a charity and always donate directly through their approved channels, which you can find on their website.