That said, if you’re wondering how to tell if a message is a scam, there are a few signs to watch out for: Scammers are getting more sophisticated at making scam text messages look authentic and often use identity masking technology to change the name displayed as the caller ID. Other SMS spam may install malware on your phone, which steals your personal information without you realizing it. The link then takes you to a fake website where, if you log in, the scammers can steal your login credentials. Or you may be asked to click on a link to learn more about the issue. Typically, the messages ask you to disclose some personal information – such as your bank or card details or Social Security number – to claim the gift or pursue the offer. “Get rich quick” or “Be your own boss” type messages.įake text messages often try to create a sense of urgency – for example, by claiming that ‘urgent action is required’ or ‘you only have two days to reply’.You’re notified about a purchase or transaction and told to reply if it wasn’t you.There’s a notification about a delivery package – perhaps asking you to rearrange a delivery slot or else pay a delivery charge to receive it.There’s a problem with your payment information – you need to take action.Suspicious activity has been noticed on your account, and further action on your part is required.There is negative information in your credit report which you can remove for a fee.You can get help to pay off your student debt.Your account has been deactivated for your protection, and you need to take steps to reactivate it.You have been overcharged and are owed a refund, possibly from a government agency such as the IRS or HMRC.You’re being offered a low or no interest credit card. ![]()
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