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GUIDE · SCAM WATCH

Is That Text a Scam?

The red flags every phone owner should know.

Photo: Dennis Cortés cortes / Wikimedia Commons (CC0)

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§ 1 · SCAM WATCH

A $470M Problem

Americans reported losing $470 million to text scams in 2024, according to the FTC.

Photo: Kristin Hardwick / Wikimedia Commons (CC0)

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§ 2 · SCAM WATCH

Fake Urgency

"Pay within 24 hours or else." Real companies rarely threaten you by text.

Photo: Santeri Viinamäki / Wikimedia Commons (CC BY-SA 4.0)

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§ 3 · SCAM WATCH

Surprise Links

A link you never asked for is the biggest warning sign. Do not tap it.

Photo: Bhullargraphic / Wikimedia Commons (CC BY-SA 4.0)

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§ 4 · SCAM WATCH

Odd Payment Requests

Gift cards, crypto or Zelle to a stranger: scammers want payments you cannot reverse.

Photo: 3df / Wikimedia Commons (CC BY-SA 4.0)

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§ 5 · SCAM WATCH

Toll and Package Texts

Fake unpaid-toll and delivery alerts top the list. Check the official app instead.

Photo: Debbie Galant / Wikimedia Commons (CC BY 2.0)

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§ 6 · SCAM WATCH

Wrong Number Openers

A friendly "wrong number" chat can become a crypto investment pitch weeks later.

Photo: Eduardo Sánchez eduardoequis / Wikimedia Commons (CC0)

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§ 7 · SCAM WATCH

Clicked? Act Fast

Change passwords, call your bank, and freeze your credit if you shared your SSN.

Photo: Wikimedia Commons (CC BY-SA 2.5)

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§ 8 · SCAM WATCH

Report It

Forward scam texts to 7726 (SPAM) and report them at ReportFraud.ftc.gov.

Photo: Kurt Kaiser / Wikimedia Commons (public domain)

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§ 9 · SCAM WATCH

Protect Your Parents

Turn on spam filters together and agree on a family code word for emergencies.

Photo: Nenad Stojkovic / Wikimedia Commons (CC BY 2.0)

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Thanks for Reading

All 12 red flags and exactly what to do if you clicked, in our full guide.

Photos: Wikimedia Commons (credits on each page)