HOW TO SPOT SCAMS VIA TEXT, EMAIL, AND PHONE CALLS IN 2025

In today's digital world, scammers have become more sophisticated, using advanced tactics to steal personal and financial information. With artificial intelligence (AI) and deepfake technology evolving, it's more important than ever to stay vigilant. ScoreNavigator is here to help you recognize and avoid scams in 2025.

Common Red Flags of Scams

No matter the method—text, email, or phone—scams often share common warning signs. Be cautious if you encounter the following:

• Unsolicited Contact – If you receive unexpected communication from a company, government agency, or financial institution, verify it through official channels.

• Urgency and Threats – Scammers create a sense of panic, claiming your account will be locked, you’ll be arrested, or you'll lose money if you don’t act immediately.

• Requests for Personal Information – Legitimate companies won’t ask for sensitive data like Social Security numbers, passwords, or banking details via text, email, or phone.

• Suspicious Links and Attachments – Never click on unfamiliar links or download attachments from unknown sources.

• Grammar and Spelling Mistakes – Many scam messages contain typos, poor formatting, and unusual phrasing.

• Unusual Payment Requests – If you’re asked to pay via gift cards, cryptocurrency, or wire transfers, it’s likely a scam.
  

Text Message Scams (Smishing)

Scammers send fraudulent text messages pretending to be from banks, government agencies, or popular services. In 2025, AI-generated messages are harder to distinguish from real ones. Here’s how to stay safe:

• Do Not Click Links – Even if the text looks legitimate, go to the official website instead of clicking any links.

• Verify the Sender – If a text claims to be from your bank or a retailer, contact them directly through their official phone number or website.

• Report Suspicious Messages – Forward scam texts to your mobile carrier or report them to the Federal Trade Commission (FTC).

  
  

Email Scams (Phishing)

Phishing emails are designed to steal your personal data by pretending to be from trusted organizations. Modern phishing scams use AI to craft realistic-looking emails. Protect yourself by:

• Checking the Sender’s Email Address – Scammers often use addresses that are slightly altered versions of legitimate domains.

• Looking for Impersonal Greetings – Emails that start with “Dear Customer” instead of your name may indicate a scam.

• Hovering Over Links – Before clicking, hover over links to see the actual URL destination.

• Using Email Security Features – Many email providers offer spam filters and fraud detection tools to help identify threats.

  
  

Phone Call Scams (Vishing)

With AI-powered voice cloning, phone scams have become even more deceptive. Scammers may pose as government officials, tech support, or even family members. To avoid falling victim:

• Never Share Personal Information – Banks and government agencies won’t ask for your account details over the phone.

• Hang Up and Call Back – If someone claims to be from your bank or a company, hang up and call the official number.

• Watch for Caller ID Spoofing – Scammers can manipulate caller ID to appear as a trusted organization.

• Use Call Blocking Apps – Many smartphones have scam detection features or allow you to block suspicious numbers.

  
  

What to Do If You Encounter a Scam

If you suspect a scam, take immediate action:

• Do not engage – Avoid responding, clicking links, or providing any information.

• Report the scam – Contact the FTC (www.ftc.gov), the FBI’s Internet Crime Complaint Center (www.ic3.gov), or your local consumer protection agency.

• Monitor Your Accounts – Check your credit reports and financial statements for unauthorized transactions.

• Enable Multi-Factor Authentication (MFA) – This adds an extra layer of security to your accounts.

  
  

Scammers are constantly evolving, but staying informed and vigilant can help protect you. At ScoreNavigator, we encourage financial and digital literacy to keep you safe from fraud. Share this guide with your family and friends to help them spot scams in 2025!