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Most need funds fast and press you to commit before thinking, Anderson says. They'll proclaim their love for you while they are taking your money." Schemes mutate with the times, and a recent one targets online daters looking for employment or better income.

A "match" claiming to be able to help directs the person to a fictitious company website.

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Within a week, some tragic event happens, and he has no funds to return to the U.

S." Because he has "proven" his wealth with the luxurious presents, he persuades his mark to send cash or credit card numbers so he can buy a plane ticket back home.

A prevalent problem Connecting with prospective matches electronically is a thrill, but hope and excitement can supersede sound judgment and fact checking.

A study about online dating and credit habits by Protect My ID.com, Experian's identity theft protection program, found that nearly half of the respondents never verify the authenticity of their chat mates, and nearly 10 percent actually sent them their Social Security numbers or bank account information.

The applicant then enters his Social Security number and other personal and financial data, which the thief uses to open new credit and loan accounts.