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Mitch Lipka But are you answering the phone? Scammers rely on you to answer or at least answer if the call comes from Unknown name, unknown number, Private caller or an unrecognizable area code. The Better Business Bureau and others recently warned against this increasingly common tactic. When you answer the call, what you hear may be different. It could be a call from a bot trying to convince you that you can lower your credit card rates (maybe even from the famous Rachel from Cardholder Services), or a call from someone claiming to be from Microsoft and trying to sell you a solution . a computer problem or maybe a software update. Aside from those often associated with the Called ID scam, pay attention to the most common phone scams. The technology available today allows scammers to make their calls appear as if they came from any source they choose to report, including trusted businesses or the government. The idea behind using your home phone number is that those unfamiliar with the trick are less likely to resist answering right away. These scammers are looking for your credit card information. Of course, to lower the interest rate, they will need it. And if you need a software update or technical support from Microsoft, they will do it too. Lets be clear: you will not lower your interest rate after this call, and Microsoft will not bother you on the phone. When you get a call from your phone or robot, here are some tips: Just hang up. Do not contact the caller or press any keys on the phone, even if they say you will be removed from their list. You just get more calls. Note that the caller ID can lie. Dont just rely on what appears on the screen. Protect your personal information. Whether its a credit card number, social security number, or bank account number, you need to keep a close eye on it. Do not give this information to anyone who calls you unsolicited, or tell them anything at all if you are unsure who you are speaking to and whether they need this information. If you think someone is calling legitimately, call the company or agency at a known published phone number from sources such as a bank statement or the back of a credit card. Mitch Lipka Mitch Lipka is an award-winning consumer industry journalist. He was responsible for consumer news on AOLs personal finance website and senior editor at Consumer Reports. He was also a reporter for the Philadelphia Inquirer and the South Florida Sun-Sentinel, among others. First published July 9, 2014 11:31 am ©ï¸ 2014 CBS Interactive Inc. All rights reserved. Fraud and spam calls are becoming increasingly common. And they have a hard time not answering becauseMitch Lipka But will you pick up the phone? The scammers are betting that you will answer or at least be more likely to call from Unknown Name, Unknown Number, Private Caller or some unrecognizable area code. The Better Business Bureau and others have recently issued warnings about this increasingly common tactic. If you answer the call, what you are likely to hear may be different. It could be a call from a robocall trying to get you on the idea of lowering your credit card interest rates (maybe even from the famous Rachel from cardholder support), or a call from someone posing as Microsoft trying to sell you a solution to a problem. There is a problem with your computer or possibly a software update. In addition to those often associated with the so-called ID trick, beware of the most common phone scams. Todays readily available technology allows scammers to pretend that their calls are from any source they want, including trusted companies or the government. The idea behind using your home phone number is that those who dont know this trick are less likely to want you to answer right away. These scammers are looking for your credit card information. Of course, they will need it to lower the interest rate. And if you need a software update or technical support from Microsoft, that will be required too. To be clear, you will not lower your interest rate after receiving this call, and Microsoft will not ask you to do so over the phone. If you get a call from a phone or robot, here are some tips to keep in mind: Just hang up. Do not contact the caller and do not press any buttons on the phone, even if he says that this will remove you from their lists. You just get more calls. Be aware that caller ID can lie. Dont rely entirely on what appears on the screen. Protect your personal data. Whether theyre looking for a credit card, social security number, or bank account number, you need to hold them tight. Do not share this information with anyone who calls you spam, or at all, unless you are sure who you are talking to and that they need this information. If you think the call might be legitimate, call the company or agency at a known listed phone number from sources such as a bank statement or the back of a credit card. Mitch Lipka Mitch Lipka is an award-winning consumer sector columnist. He was in charge of consumer news for AOLs personal finance website and was the editor-in-chief of Consumer Reports. He has also been a reporter for The Philadelphia Inquirer and the South Florida Sun-Sentinel among other publications. First published July 9, 2014 at 11:31 AM © ï¸ 2014 CBS Interactive Inc. All rights reserved. Fraud and spam calls are becoming more common. And its hard for them not to answer because

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