By: Natasha Archary

Scams are becoming more sophisticated, to target a diverse group of people, many of whom fall victim to their traps.
From being contacted about an unclaimed inheritance to winning millions by clicking a link, scammers are out to get us, and it’s important to have your guard up and know what to do if you’ve been scammed.
If you’ve been victim to a scam this year, like some Kaya 959 listeners, there are a few things you should know, so you can protect yourself from further fraud.
Stop your Credit
Freezing your credit facility ensures that no one can view your credit report, including creditors unless you lift the freeze using a personal identification number (PIN) provided to you. Your scammers will not have access to your credit.
Place Fraud Alert on your account
Consider placing a Fraud Alert on your credit reports. There are two types of fraud alerts you can place on your information after discovering that you’ve been scammed: an initial fraud alert and an extended fraud alert.
Check your credit
Cancel your cards. When you take this step, your information will become less valuable to the scammer. If they steal a credit card number, cancelling the card will immediately stop them from being able to use it.
Report it to the police
Check with your local police department to see if you can file a report online or if you need to submit a report in person.
Contact your bank
If the scam involved your credit card information or login credentials for your financial accounts, contact your bank to immediately stop your bank cards, and be issued new ones.
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