The 4 Warning Signs of Every Scam
Government agencies describe almost every scam with the same four signs. Learn them once and you will recognize scams you have never heard of. Keep this page by the phone.
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What is inside
- Pretend: they pretend to be someone you trust, such as Social Security, the IRS, Medicare, the police, your bank, Amazon or a relative.
- Problem or Prize: there is always something urgent, like a problem with your account, a relative in trouble, a virus, a package or a prize you must pay to collect.
- Pressure: "You will be arrested today." "Do not tell anyone." Real banks and agencies always give you time to check.
- Payment: gift cards, wire transfers, payment apps, crypto, a Bitcoin ATM or cash handed to a courier. Anyone who demands a gift card is a scammer.
- Your golden rule: Stop, hang up, verify. Then call the organization yourself, using a number you find on your card, statement or official website.
What should I say to a suspicious caller?
You never need to argue. Say: "I don't handle this over the phone. I will call the company myself using the official number." Then hang up.
Is the checklist free?
Yes. Download the PDF and print as many copies as you like.
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General information, not legal or financial advice.