Identity theft is a hot issue right now, but even with better tools to track and combat hacking and phishing, scammers are still finding quite a bit of success. Veterans are particularly susceptible to these attacks, but the AARP recently released a guide to help us protect ourselves and our loved ones simply by understanding common scams and knowing a few simple tips.

Common scams: what to look out for

Benefits buyout scams: scammers offer upfront cash payments in exchange for future pension or disability payouts.

Charging for records: scammers attempt to charge veterans for access to their military records or government forms. Remember, this information is always free through the VA.

Investment and pension scams: unethical investment advisors may attempt to convince veterans that they qualify for more government benefits by making substantial changes to their investments. You can always contact your local VA for information on what government benefits are available to you.

Veterans Choice Program (VCP) scam: scammers use fake phone numbers to mimic the Veterans Choice Program services, then collect veterans’ personal and credit card information. Make sure the only number you dial for VCP is 1-866-606-8198.

VA phishing: scammers call veterans pretending to be a representative of the VA checking to make sure personal information and records are up to date. If you receive an unsolicited call from someone claiming to be a VA representative, hang up.

Employment and rental scams: scammers attempt recruit veterans using fake job postings or fake rental properties that are available only to veterans for a small fee. Beware if you are asked to provide a credit card or pay to access “previously undisclosed” postings.

Special deals for veterans: scammers offer fake discounts for things like cars or auto loans. Often these products do not exit. Make sure to read any discount offers carefully.

So what can you do to protect yourself?

There are a number of steps you can take right now to protect yourself or a loved veteran from scams. These are good tips for all of us to follow.

• Be extra careful with your Social Security number and other personal information. Only share sensitive information with trusted sources.
• Keep an eye on your bills and bank accounts. Watch for anything missing or anything out of the ordinary.
• Check your credit reports. You are entitled to one free credit report each year. Get yours at annualcreditreport.com or by calling 877-322-8228.
• Protect your passwords and pin numbers. Do not carry them with you, and avoid using numbers that are easily guessable based on available information, like birthdays or spouses’ names.
• Be aware of potential phishing scams. Be skeptical of emails, calls, or texts that claim to be from a bank, ISP, business, or charity when they ask you to confirm personal information. If you receive email you think is spam, report it to spam@uce.gov.
• Never give personal information to telemarketers. You can cut down on the number of spam calls you receive by signing up for the Do Not Call Registry at donotcall.gov or 888-382-1222.
• Check your mail daily, and don’t leave mail in your box for extended periods of time.
• Never send cash or coins via mail. Instead, use checks or money orders.
• Double check all references and offers, even if you think it is legitimate.

Scammers are getting bolder and bolder, so it is more important than ever to remain vigilant. Please share these tips with any veterans you know, and please don’t hesitate to contact me at sen.john.jasinski@senate.mn or 651-296-0284 if you would like additional resources.