This is something important that’s been affecting many folks lately. You might have heard about “smishing” – it’s a term that’s been popping up, especially concerning IRS stimulus payments. So, what exactly is smishing, and why should you be cautious?
What is smishing?
Smishing is one form of phishing in which texts are utilized to deceive people into divulging personal information. The messages would appear to be from very valid organizations, such as the IRS, with the purpose of luring you into malicious links or sharing sensitive data.
How does the IRS smishing scam work?
More recently, a new surge of scams has come through text messages claiming to be from the IRS. Many of these texts will say that you are entitled to a stimulus payment and direct you to a link that looks just like the IRS website. When you click, you may be asked to input personal information that is then used for fraudulent purposes.
Key characteristics of these scam messages:
- They claim you’re eligible for a stimulus payment.
- They include a link that appears legitimate but isn’t.
- They urge immediate action to claim your payment.
How to identify and avoid IRS smishing scams
It’s crucial to be vigilant. Here are some tips to help you spot and avoid these scams:
- Verify the sender: The IRS will not initiate contact with you via text messages or emails regarding payments.
- Check the link: Hover over any link to see its actual URL. If it looks suspicious or doesn’t direct to an official IRS website (ending in .gov), don’t click.
- Look for generic greetings: Scammers often use generic terms like “Dear Taxpayer” instead of your name.
- Be cautious of urgent language: Messages that pressure you to act quickly are often scams.
What to do if you receive a suspicious text claiming to be from the IRS
If you get a text message that seems fishy:
- Do not click on any links or respond to the message.
- Take a screenshot of the message.
- Forward the screenshot and the sender’s information to [email protected].
- Delete the message from your device.
Steps to protect your personal information
To safeguard your data:
- Use strong, unique passwords for your accounts.
- Enable two-factor authentication where possible.
- Regularly monitor your financial accounts for any unauthorized activity.
- Keep your devices updated with the latest security patches.
Resources for reporting and learning more about smishing scams
Staying informed is your best defense. For more information:
- Visit the official IRS website: They have resources detailing current scams and how to report them.
- Check out the Federal Trade Commission’s (FTC) consumer information: The FTC offers guidance on recognizing and avoiding scams.
Remember, it’s always better to be cautious and verify any unsolicited messages you receive, especially those claiming to be from government agencies. Stay safe.
