With the proliferation of on line scams, which can easily be made to appear very legit, the best defense is education.
There are a number of great resources out there. Take the time to learn about them at some of these resources.
You may also want to check your credit reports to determine if there has been any unauthorized or suspicious activity. You are entiteled to one free credit report per year. To obtain your report go to www.annualcreditreport.com or call 1-877-322-8228. The three credit reporting agencies are, TransUnion, Experian and Equifax.