January sees a significant rise in scams as criminals leverage updated personal data to target consumers with fraudulent messages related to account verification and tax notices.
Every January, many individuals report receiving suspicious emails that appear official, often expressing relief at avoiding a potential scam. This trend is not coincidental; January is a peak month for scammers. While consumers are focused on taxes, benefits, and financial organization, criminals are busy refreshing their scam tactics and targeting individuals with newly updated personal data.
Scammers often send messages claiming that account verification is needed, benefits are at risk, or tax information is incomplete. If you have encountered such messages, you are not alone. According to YouMail’s Robocall Index, U.S. consumers received over 4.7 billion robocalls in January 2025, marking a roughly 9% increase from December 2024. This pattern is expected to continue in the current year.
The primary reason for the surge in scams during January is the accessibility of personal data. Data brokers compile and update consumer profiles year after year, making it easier for scammers to obtain detailed information. By January, these profiles are often more comprehensive, allowing criminals to craft convincing messages.
One prevalent scam during this time appears innocuous at first glance. Victims receive messages that sound official, sometimes even using their real names or locations, which can lead to confusion. It is crucial to remember that legitimate government agencies do not request sensitive information through unsolicited emails or texts. Scammers exploit urgency and familiarity to prompt quick reactions.
A good rule of thumb is: if you did not initiate the request, do not respond. Always verify through the official website or contact number, rather than clicking on links provided in the message.
Another common scam during January involves tax-related communications. Scammers often send messages that mimic those from tax agencies or benefits programs, capitalizing on the timing when individuals expect to hear from these organizations. They require minimal information to appear credible, such as a name or an email address. If you receive an unexpected tax-related message, take a moment to assess its legitimacy. Real agencies do not pressure individuals to act immediately.
Subscription scams also see a rise in January. Fraudulent messages may claim issues with subscriptions, banking, or other services. Scammers know that many people have ongoing subscriptions, increasing their chances of success. Instead of clicking on links in these messages, it is advisable to access your accounts directly through the official app or website to check for any legitimate issues.
Many individuals wonder how scammers obtain their personal information, especially when messages include their names. The uncomfortable truth is that this information is often purchased from data brokers, who compile extensive profiles that include personal details. This data is then sold, shared, or leaked, allowing scammers to create tailored messages that seem authentic.
To mitigate the risk of falling victim to scams, it is essential to take proactive measures to reduce exposure to fraud. While deleting emails or blocking numbers can help, it does not address the root cause. Scammers rely on data broker sites that collect and sell personal information. Removing your data from these sites can significantly reduce the volume of scam calls, phishing emails, and targeted texts over time.
There are two primary methods for removing your data from these brokers. The first is to do it yourself, which involves visiting individual data broker websites, searching for your profile, and submitting opt-out requests. While effective, this method can be time-consuming, as each site has its own rules and verification processes. Additionally, data may be re-added later, necessitating repeated efforts.
The second option is to utilize a data removal service, which automates the opt-out process by contacting multiple data brokers on your behalf. This option saves time and provides ongoing protection, particularly for those seeking long-term results without the hassle of constant follow-ups. Although no service can guarantee complete removal of your data from the internet, a reputable data removal service can significantly reduce the information available to scammers.
To further protect yourself, it is crucial to adopt safe online habits. If you receive a suspicious message, do not click on any links. Instead, visit the official website by typing the address directly into your browser or using a saved bookmark. This simple practice can help prevent most phishing attacks.
Implementing two-factor authentication (2FA) adds an essential layer of security. Even if a scammer obtains your password, they cannot access your account without the second verification code. Start by enabling 2FA on your email, financial accounts, social media, and government services.
Be cautious of any warnings regarding account issues. Always verify by opening the official app or website to check for any legitimate problems. If everything appears normal, you have successfully avoided a scam.
Enabling login alerts and security notifications on important accounts can also provide early warnings if someone attempts to sign in from an unfamiliar device or location. This proactive approach allows you to act swiftly before any real damage occurs.
Finally, avoid reusing passwords across multiple accounts. If one service is compromised, attackers may attempt to use the same login credentials on other platforms. A password manager can help create and store strong, unique passwords for each account without the need to remember them.
January scams are not random; they are strategically timed and fueled by easily accessible personal data. The longer your information remains online, the greater the risk of it being exploited by scammers. To enjoy a quieter inbox and fewer scam calls this year, take action now to protect your data. By doing so, you will enhance your safety and security throughout the year.
Have you noticed an increase in scam emails, texts, or calls since the start of the new year? Share your experiences with us at Cyberguy.com.