Fraud Is on the Rise — And Everyone’s a Target
In 2023 alone, the Federal Trade Commission (FTC) reported more than 2.6 million fraud reports, with U.S. consumers losing over $10 billion to scams — the highest ever recorded. While older adults are often thought to be most vulnerable, the truth is more surprising: Gen Z and millennials are actually more likely to fall for scams, though older adults tend to lose more money per incident.
From phishing texts and fraudulent pop-ups to compromised devices, scammers are constantly finding new ways to exploit technology. Apple users aren't immune, and it's more important than ever to take proactive steps to secure your personal information. Here are seven golden rules to protect yourself and your Apple devices from fraud.
1. Use Strong, Unique Passwords
Why it matters: Weak or reused passwords are one of the easiest ways for fraudsters to break into your accounts.
What to do:
- Use a unique password for each account.
- Choose passwords with a mix of uppercase/lowercase letters, numbers, and symbols.
- Enable two-factor authentication (2FA) wherever possible.
- Consider using a trusted password manager, such as 1Password, Bitwarden, or Apple's built-in password app or iCloud Keychain.
More info:
FTC guide on password safety
2. Beware of Text Scams
Why it matters: Scammers impersonate your bank, Apple, or even the IRS in text messages or phone calls to trick you into revealing personal data.
What to do:
- Never share personal or financial information by text or over the phone with someone who contacted you unexpectedly.
- If unsure, hang up and call the organization directly using the number on the back of your card or from their official website.
- Remember: Apple and banks will never ask you for sensitive information this way.
More info:
FCC guide on smishing (text message scams)
3. Avoid Clicking Unsolicited Emails and Links
Why it matters: Emails that appear to come from Apple or other trusted companies may be phishing attempts designed to steal your login credentials.
What to do:
- Don’t click on suspicious links or open attachments from unknown senders.
- Check the sender’s email address carefully.
- If you’re unsure, go directly to the website by typing the URL in your browser rather than clicking the link.
More info:
Apple: Recognize and avoid phishing emails
4. Monitor Your Accounts Regularly
Why it matters: The sooner you catch fraud, the sooner you can stop it.
What to do:
- Review your credit card and bank statements at least once a week.
- Set up transaction alerts from your bank.
- Check your credit report regularly — you’re entitled to a free report from each major credit bureau once a year.
More info:
AnnualCreditReport.com – Free official credit reports
5. Shred Sensitive Documents When Not Needed
Why it matters: Fraudsters can steal your identity from discarded documents.
What to do:
- Use a cross-cut shredder to destroy documents with personal information.
- Shred things like bank statements, old tax records, and pre-approved credit card offers.
More info:
IdentityTheft.gov – What to shred and why
6. Stay Updated on Fraud Trends
Why it matters: Scammers evolve fast — staying informed helps you spot the red flags early.
What to do:
- Follow reputable sources like the FTC, AARP Fraud Watch Network, or your bank's fraud alerts.
- Talk with family and friends about scam attempts you've seen — spreading awareness is powerful.
More info:
AARP Fraud Watch Network
7. Keep Your Devices Secure
Why it matters: Unsecured devices are vulnerable to malware, unauthorized access, and data theft.
What to do:
- Keep your iPhone, iPad, and Mac updated with the latest software.
- Always use a passcode or biometric lock (like Face ID or Touch ID).
- Avoid conducting sensitive transactions on public Wi-Fi unless using a trusted VPN.
More info:
Apple: How to protect your device and data
Stay Vigilant, Stay Protected
Fraud is a growing threat to everyone in the digital age. By following these seven golden rules, you can significantly reduce your risk and help protect your identity, finances, and peace of mind. Stay aware, trust your instincts, and keep your Apple devices — and your personal data — secure.