...scammers will spam everyone with fake PayPal, eBay, or Yahoo 'official' messages saying you need to confirm your information in order to keep your account, and then have a link which supposedly goes to the official website, but instead redirects you to THEIR website. Then, when you type in your information, this scammer is getting ahold of it. It's a very easy type of identity theft, and one they're getting GOOD at. Some of the fake emails will have spelling mistakes, or a few other mistakes, but most will mimic official email from the site pretty darn closely and the average person will not be able to tell the difference.
Tips for IDing the scam:
1. They say you'll lose your account if you don't give them this information.
2. The site you wind up at is not secure (it needs to be https:// to be secure, regular http:// is not).
3. They ask for craploads of information that they have no business knowing: your mother's maiden name, your SSN, your bank account numbers, your creditcard numbers, and your password.
Typically when a legitimate business wants to confirm your ID, all that's required is that you click on the link in the email. Since that business already HAS all the information it needs, the very act of clicking on that link registers the fact that your account is indeed active. Any sort of professional online business like Yahoo, Paypal, or eBay will never send out emails asking you to resubmit information they already have. These people have sophisticated backup data systems and will never (short of nuclear catastrophe) lose the information they have, so they never need to ask you to reconfirm or reenter it.
Other tips:
1. Change your password(s) every few months.
2. Use different passwords for different services. Never reuse a password used for something important (like online banking).
3. Don't use weak passwords. Pet names, relative names, and 'password' are all horrible passwords easily guessed by someone trying to hack into your stuff. There are other tips specific to password creation that I won't go into right now.
4. Use multiple email addresses to segregate email. If you have an email address you only use for important stuff and a second email address you actually use on public forums and whatnot, odds are scammers won't get ahold of your important-stuff email addy (and I mean keep it to -really- important stuff -- online banking and billing, NOT shopping, friends, or forum posts). Also, some sites offer the ability to create temporary email addresses which forward email to your account but stop working after so many messages. Please note that you do not want to use one of these as your important-stuff email address.
There are more tips and whatnot, but that ought to be a good start. Do a little research, and keep in mind that just because it came in an official-looking email doesn't mean it's legitimate.
-Kat
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"You keep WHAT in your freezer?"
"Mice. And rats. If that bothers you, I can call them 'cows' instead."