杰森·亚当斯（Jason Adams）

当涉及身份盗用，欺诈和网络威胁时，凯莉·克斯基（Carrie Kerskie）已经看到了一切 - 然后是一些。

她说：“这东西对人们来说可能是压倒性的。”“在与受害者合作的近15年中，我实际上有两名受害者自杀。当涉及欺诈和骗局时，我看到人们看到他们一生的积蓄一夜之间消失了。这可能是对人的毁灭性。”

Kerskie总部位于佛罗里达州的那不勒斯，是领先的身份盗用修复和咨询公司Kerskie Group的总裁，也是该书的作者您的公共身份：因为没有什么是私人的和自助指南Protect Your Identity。她还是一个新播客的主持人，”Carrie Kerskie表演”，旨在进一步向消费者告知如何保持自己和自己的身份免受骗子的影响。

“这些类型的犯罪，这是一个幽灵，” Kerskie补充说。“你永远不知道是谁做的。您不知道他们如何获得您的信息。你不知道它们在哪里。”

值得庆幸的是，在阻止这些食尸鬼方面，Kerskie是一个捉鬼敢死队，并就如何使自己和亲人免受骗子的方式有实用的建议，尤其是在我们所有人都更加依赖的这些挑战时期（如果不是直接的话）依赖于我们的移动设备。

Can you walk me through what it is you and the Kerskie Group do, and how your background as a private investigator led you to be a top identity theft expert?
我们是一家提供全方位服务的私人调查机构，自2001年以来一直在那不勒斯。我们最初做了所有传统工作，从作弊配偶到保险欺诈，再到……您的名字，我们对此进行了调查。2007年左右，我们开始收到来自身份盗用受害者的电话。那时，没有很多资源可以帮助他们。FTC（联邦贸易委员会）刚刚开始在其网站上获取一些信息，但是人们很难导航。我们提出提供帮助。我们说：“我们以前没有这样做。我们不是专家，但我们很高兴为您研究。”

Then word of mouth just spread from there. We started getting more and more calls from victims, and then within my industry my peers wanted to learn how we were doing what we were doing. I started creating training programs and reaching out and warning people in my community — and people kept saying, “It’s too much information to remember, put it into a book!” I wasn’t a writer, so I went to the bookstore and I pulled out all the books on identity theft, and I couldn’t even figure out what they were trying to explain to people. I thought, “If I can’t understand this, how is the average person supposed to?” So I wrote Your Public Identity: Because Nothing is Private Anymore, which came out in 2011 and got a great response. Today Kerskie Group focuses exclusively on identity theft restoration and consulting.

Somewhat ironically, identity theft wasn’t anything I chose — it chose me.

我们对整个身份盗用世界的移动设备有多大的难题？
巨大的。因为人们经常忘记的是，他们的智能手机不仅是一部手机，而且是一台可以打电话的计算机。该技术已经进步了，我们无法跟上它。大多数人在数字时代不了解信息流，但是我们正在接受这项技术，我们正在接受诸如应用程序之类的东西，而不了解谁，什么，原因，何时以及如何背后。

我与我合作的许多老年人，甚至是我自己的父母和姻亲，都害怕像打开和关闭手机一样简单的事情，因为他们认为自己会打破它。当然，这不是。这只是帮助人们克服最初的恐惧，对未知事物的恐惧的问题。因此，熟悉自己并对这些设备感到满意，以便您可以正确使用它们。玩电话。打开事情，关闭东西。进入隐私设置，进行调整。如果您不知道该怎么做，那么互联网上总会有一些YouTube视频或教程可以引导您完成事情。然后，在将应用程序下载到手机之前，请查看服务隐私政策的条款！

根据您的经验，老年人特别有危险，如果是的话，可以采取什么措施来保护他们？
People my age and a little older — I’ll turn 50 next year — we’re what is referred to as the “sandwich generation,” because we’re still raising children but also taking care of aging parents. We’re also still working and in the thick of our careers, so we have to use and embrace mobile technology.

还有额外的责任，就像与任何人一样，您手头上的责任和任务越多，您会尝试更快地完成工作 - 因此您并不总是有时会停下来思考，而且事情都会匆忙完成。那是骗局的大事之一：人们措手不及，经常对事情立即做出反应。

无论您是与老年父母交谈，我总是建议您进行开放的沟通。人们犯错，如果他们陷入骗局，这并不意味着他们做错了什么。只是电话上有一个非常好的骗子。

Americans have already lost over $80 million to COVID-related scams this year. Losses due to coronavirus scams increased 70% in May and June alone. How have phone scams changed or accelerated in the last few months?
坏人总是利用恐惧和恐吓。这些是骗局中的两个重要因素。现在，每个人都处于高度戒备状态。人们对库维德感到害怕，因为有很多未知的事。我们没有那么长时间与Covid打交道，那里有很多混乱，人们感到害怕。

我们看到了很多smishing文本，它们正在迅速取代网络钓鱼电子邮件。我自己知道，不久前我可能会每六个月得到一次。我现在每天得到两次。

Right now with COVID people are holed up in their homes, they may have a compromised immune system and oftentimes, especially with older folks, they’re lonely. They might get a text message, and the person’s like, “Oh, I’m sorry, I must have the wrong number” — and then they start a conversation. That is a new scam, where they just randomly text people, see who they can engage in conversation, hoping they’re going to get a lonely person on the phone. They befriend them and then the next thing you know, they’re asking for their personal information or money.

We’ve worked with people who’ve fallen for these sweetheart scams, and have lost everything. One woman, she took out a second mortgage on her house to send money to this guy, and of course, he was gone and she lost her house.

顺便说一句，客户可以forward a suspicious text message to 7726, and it helps screen out the smishing messages.

T移动recently rolled out its new suite of free, network-level safeguards with骗局盾。您认为，这些保护措施如何帮助确保人们的安全？
Scam ID and Scam Block are great protections. Most times people have never even heard the term “spoofing.” The way we explain it to them is that I can call you and say that I’m calling from the IRS, and I can make the incoming number mimic the IRS number. It’s going to let you know that that is a spoofed call so you know you don’t need to answer it. That I think is a game-changer.

I also love the T-Mobile PROXY number that allows you to have a second number. I think that is brilliant. I think that is huge. Phone numbers now are becoming equivalent to your social security number, except everywhere you go now, they ask you for it.

By being able to put that second number in there, you’re protecting your core number which you would only give to close family, friends, doctors’ offices — or ascribe to your financial accounts, because the banks use that phone number as an ID verifier. We’ve worked a lot lately with victims who have had their phone numbers ported or who’ve beenSIM-swapped。

As soon as the bad guys get control of your primary number, they could contact one of your credit card issuers. If they call their automated phone service, it will identify your account based on the spoofed number they’re calling from. It will tell you the last three transactions and it will give you additional information on that card. You don’t even have to prove who you are. That’s how much the phone number has become an ID verifier.

我也喜欢免费数字更改功能。特别是对于老年女性，我们发现当骗子打电话时，她们经常试图对她们有礼貌。但是坏人变得非常激进，他们的电话将非常庸俗。他们将对这些妇女感到恐惧的地点极为威胁。他们认为该人将出现在自己的房子里，并对他们造成身体伤害。因此，如果需要的话，拥有这种更改电话号码的能力，因为他们受到这些人的骚扰，这是另一个好处。

我们所有人都可以采取哪些其他步骤来警惕电话骗子？
有三种简单的方法来识别骗局。我们看到的每个手机骗局都有这样的：

• 首先，有一种紧迫感。They’ll insist, “You have to do this right now. You can’t hang up, you can’t call us back. It has to be done immediately right this minute!”
• 其次，有结果。“如果您现在不这样做，您将入狱。如果您现在不这样做，您将永远不会再见到亲人。如果您现在不这样做，我们将取消您的社会保险号码。如果您现在不这样做，那将要来逮捕您。”这种紧迫感和可怕的后果，即使事情不起作用。如果确实是您的银行，国税局或社会保障局，他们将通过常规邮件与您联系。他们将通过电子邮件与您联系。这不仅仅是一个电话。
• 第三，他们要求特定的东西- 在大多数情况下，这是一种付款方式。如果您听到“礼品卡，西联汇款或电汇”一词，则挂断电话。只是那么简单。任何组织，尤其是联邦机构，都不会将礼品卡作为付款。如果有人说“去商店买我的礼品卡”，挂断电话。不要参与。他们没有“乐趣”。The more you engage on the phone, they’re going to flag you as someone who’s a talker, so they’re going to come back with a different scam or they’re going to have someone else who’s a little bit more skilled in closing the deal call you back. Just don’t even engage at all, just hang up the phone.

在击败电话骗局和骗子并关闭整个犯罪企业的情况下，您认为我们在哪里，您认为这看起来周围的未来是什么样的，我们是否走上了正确的道路？
我认为我们走上了正确的道路。我看不到这个问题在一夜之间消失。坏人总是在寻找新的方法与您的信息以及您和您的金钱之间获得新的方法。

The more that we can do to give tools to consumers to help them identify the technology that we’re up against, like Scam Shield, I think that is a great step in the right direction.

某些Scam Shield功能所需的合格服务和功能强大的设备。