Increase in malicious emails disguised as official bank messages could affect your credit report

19 August 2013 - Which Way To Pay

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Are you unknowingly a victim of fraud? Beware of malicious emails and your credit report

It is becoming increasingly common for fraudsters to phish for useful information online without relying on the human factor. They are less likely to wait for users to enter their own data and instead send out malicious emails seeded with Trojans that steal usernames and passwords including those for online banking. When fraudsters steal your identity your credit history could be at risk.

Where can Trojans be found and how does it affect your credit report?

These Trojons can be found in emails disguised as official bank messages. Spammers have begun sending out emails with attachments designed to look like automatic delivery failure notifications sent out by servers. Another common trick is to include links to malicious websites. The percentage of spam in total email traffic has increased by 4.2% to 70.7% in the second quarter of 2013 compared to the first quarter, according to a survey done by Kaspersky Lab. The percentage of phishing emails in global mail traffic fell by 0.0016% and came to 0.0024%. The survey found that in the second quarter many emails with malicious attachments were addressed to corporate users. "Malicious users expect corporate employees to skim over the details, assume the email is legitimate and open the attachment releasing a malicious programme," said Kaspersky Lab in a statement.

How do I protect my credit report?

  1. Never respond to unsolicited emails, not only will you expose yourself to a Trojan but you will let the spammer know your email address is active.
  2. Never send out personal information in an email, trusted sites will never ask you to do this.
  3. Never follow a spam email instructions to reply, this is a ploy to get you to react to the email so the spammer knows your email address is active.
  4. Always check your credit report to ensure that you are not already a victim.

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Related Links:
• If you have been turned down credit then check your credit report

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