When job hunting, it is hard enough to come up with an employment opportunity that matches your skills and experience. When you do find that perfect sounding job posting, you may be filled with a new sense of hope! However, you must be on alert for job scams. Believe it or not, there are people out there praying on the unemployed.
Some of the more recent scams include:
- Job postings for "insurance companies" that you have to shell out a lot of money out-of-pocket for upfront.
- Job postings requesting you to submit your resume and then find out someone is willing to "rewrite" the resume, for a fee of course!
- "Work from home" or "get rich quick" are red flags! Some work from home scams are assembly jobs, data entry and multi-level marketing. And, no, you will not be paid $3 apiece for stuffing envelopes!
- Identity Theft. Never submit your personal banking information, utility bills or driver's license until you have a face-to-face interview and are comfortable signing a request for a credit check to be done.
- Scammer sending e-mail to the unemployed offering to help refinance or provide debt consolidation service.
- Money transferring ... offering you a commission to simply receive money into your bank account and transfer the funds to another. Hit delete on this type of e-mail immediately!
Things you can do to avoid scams:
- Research the "company." Find a company website to see if they look official. Caution: Even if the website looks legit, do more research. Just about anyone can design a website these days!
- Look the business up on the Better Business Bureau website.
- Did I mention never submit your personal banking information, utility bills or driver's license without a personal interview?
If you feel you have been violated:
- Get a copy of your credit report immediately! Try www.annualcreditreport.com.
- File a fraud report with your creditors.
- File an official report with the Federal Trade Commission and the State Attorney General.
Kind regards -