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First Rate Financial Group
Phone: (800) 620-8802
License: NMLS #256707, CA-DRE 01455710
Corp. License: NMLS #1777223, CA-DRE 02075839
How to Stop Getting Robo Calls
By Miriam Cross, Kiplinger.com
Robo calls that use sales pitches or scare tactics to siphon your money are on the rise. Unwanted calls have topped the Federal Communications Commission's list of consumer complaints over the past several years. Many are against the law: Most robo calls to your smartphone are illegal, and robo sales calls to your home phone are illegal except in specific circumstances. And they are becoming trickier to spot. Robo callers are covering their tracks by "spoofing," or falsifying their caller ID so it displays a fake number that appears to be local.
The FCC recently announced that phone companies may proactively block calls that appear to be spoofed -- a good step forward, says Margot Saunders, senior counsel to the National Consumer Law Center.
What You Can Do
Start by checking to see if you inadvertently gave permission to some callers to disturb your dinner. For example, you may have checked a box on a loan application consenting to reminders by any means. You'll need to contact the company to revoke your consent.
Adding your number to the Do Not Call registry (www.donotcall.gov) will deflect live sales calls from legitimate telemarketers. However, it won't stop scammers or calls for debt collection, surveys and more. Check your home-phone provider about blocking individual numbers or enabling Anonymous Call Rejection. If you get your home-phone service from an internet provider, such as Comcast Xfinity or Verizon Fios, try Nomorobo (www.nomorobo.com). (For other suggestions, go to www.ustelecom.org/issues/robocalls and click on "Sampling of Tools.")
To prevent individual callers from reaching your cell phone, look up instructions at www.ctia.org/consumer-tips/robocalls. To further cover your bases, enable a blocking app on your smartphone. Some carriers are rolling out services that warn customers or intercept suspicious calls outright, including AT&T's free Call Protect, T-Mobile's free Scam ID and Scam Block, and Verizon's Caller Name ID ($3 per month).
Back to Basics
Whether or not you download an app, avoid answering calls from an unknown number -- even if you recognize the area code or prefix. Check your voice mail afterward, or see if you can set up voice-mail transcription instead.
Reprinted with permission. All Contents ©2018 The Kiplinger Washington Editors. Kiplinger.com.
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First Rate Financial Group is Licensed by the California Department of Real Estate - #02075839, NMLS #1777223
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