The best thing to do is to delete all emails with senders
and subjects that you do not recognize or are from banks, financial
institutions and the like. I have gone further to let my friends and
relatives know that I do not want their forwarded jokes and muses but only info
from them about them.
Always be the one who initiates a transaction with the bank
or Paypal on their site and you will be okay.
With that said, you are entitled a get free copies of your
credit record and you should do so. I found that some
financial institutions and bank cards do not close the account with the credit
bureau after paid out and not active and the credit bureaus subtract points. I
had to make some contacts to get those cleaned up.
Tom Taylor