How to Recognize a Scam
Scammers often create a sense of urgency. They want their victims to act quickly before common sense kicks in, someone else sees what's going on, or they have a chance to step back and think it through.
If something sounds too good to be true, it probably is. Scammers love to dangle promises of easy money, free prizes, no risk investment opportunities or once-in-a-lifetime deals. They're counting on the excitement to cloud your judgement. Take a breath, do a little digging, and don't be afraid to walk away - a real offer will still be there tomorrow.
Watch for poor grammar, misspellings, or awkward phrasing. Scam messages often contain spelling mistakes, weird phrasing. or awkward grammar. Many scammers operate internationally, and English might not be their first language - or they're deliberately being vague to cast a wide net. If the message feels off, trust that instinct.
If you answer the phone and a recorded voice starts talking, it's usually a red flag. In many cases, it's actually illegal for business to use pre-recorded or artificial voice to call your cell phone without your permission. There are a few exceptions- like reminders from your doctor's office or school alerts- but if it's a sales pitch or scammy-sounding message, hang up. don't press any buttons, don't speak- just disconnect.
Legitimate Companies and organizations will never ask for payment in gift cards, cryptocurrency, or wire transfers.
The IRS, FBI, Social Security Administration or Medicare will never call you over past due fines or charges being filed.
Best Practices for Staying Safe
Don't share personal information unless you're 100% sure who you are speaking to
Use unique passwords for every account.
If you receive an email that asks you to click a link, check the sender, make sure it is from the company or individual that it should be from
Be careful what you post- scammers can use your social media posts to build trust.
Learn how to freeze you credit and keep it frozen unless you need it unlocked, a lender or bank will instruct you on the length of time to have your credit unlocked.
Common Red Flags
A new "friend" or romantic interest pushes of quick intimacy or asks for money
Unsolicited texts, calls, or messages from numbers of accounts you don't know
Requests to move conversations off secure platforms (e.g. asking to switch from Facebook or text message to Whatsapp or Telegram).
You're asked to keep your interactions "a secret."
You are asked to install a program on your phone or computer to give anyone remote access to your device.
Emails from senders you don't know that want you to click on a link or a file.
Talking to Someone at Risk or Already a Victim
Stay calm and listen without judgement.
Share your concerns gently and focus on their safety.
Offer to help them report the scam or secure their accounts and their devices.
Remind them that being targeted doesn't mean they're stupid or gullible
Staying safe online isn't about being paranoid- it's about being prepared. With a little awareness and support, we can all help each other stay safe.