Basic checks for scam texts to perform before you click, pay, or share information

Basic checks for scam texts to perform before you click, pay, or share information

Google’s General Counsel Discusses AI-Powered Phishing Surge

Halimah Delaine Prado, Google’s General Counsel, has pointed out a concerning trend in rising AI-driven phishing scams, particularly those originating from “outsider companies” in China. She elaborated on how these bad actors utilize artificial intelligence to craft highly convincing fake websites that mimic reputable brands like T-Mobile. This tactic has resulted in defrauding hundreds of thousands of Americans and incurred millions in losses. Prado also shared insights on Google’s strategies to tackle these evolving cyber threats.

Have you ever received a text alert claiming a package is delayed or warning you of an unpaid bill? These messages often appear common, urgent, and straightforward, making them easy to overlook in moments of haste. Thankfully, you don’t need to memorize every scam that comes your way. Instead, having a simple method to verify suspicious texts can save you from potential pitfalls. Here’s a quick checklist to consider before you click, pay, or share any information.

Scam Text Checklist

When a text asks you to click, pay, confirm, sign in, or address an issue, run through these checks:

1) Was I expecting this?

Think about it: were you waiting for that package? Have you used that bank? Reflect on recent activities. If you weren’t, consider the message suspicious. Even if you were, it doesn’t mean it’s genuine—scammers cast a wide net, banking on the fact that someone might indeed be waiting for something.

2) Is it trying to rush me?

Urgency is a hallmark of scam texts. Watch for phrases such as:

  • Act now
  • Final warning
  • Check now
  • Avoid penalties
  • Account suspended

Real companies sometimes send urgent alerts, sure. But if it’s high-pressure, it’s a good idea to take a step back. Spending a couple of minutes conducting a check could save you a lot of hassle later.

3) Is the link broken?

Before clicking any link, look out for:

  • Misspelled brand names
  • Extra words or odd characters
  • Shortened links
  • Suspicious web addresses
  • Domains that don’t match the company in question

Even if a link appears fine, it could lead to a dangerous site. It’s always safer to check using the company’s official app or website directly.

4) Are the messages common or awkward?

Scam texts generally have vague greetings and odd wording. You might see, “Dear Customer,” instead of your name. If a message doesn’t mention your specific order number or account details, that’s a red flag. While the use of AI means some texts are becoming more polished, vague language should still raise suspicion.

5) Are they asking for information they shouldn’t?

Be wary of any message requesting:

  • Password
  • Card number
  • Bank login details
  • Social Security number
  • Instant payments
  • One-time verification codes

Legitimate companies generally won’t ask you for such sensitive information through text, especially codes.

6) Can I verify this through another channel?

This is crucial. Instead of interacting with a link or phone number in a message, use trusted methods to check:

  • Open the official app
  • Type the company’s website directly
  • Call the number on your account documentation
  • Use the official contact info from the company’s website

If there’s a genuine issue, you should find information through these reliable channels.

Common Types of Scam Texts

Scam texts usually fall into familiar categories:

Fake Delivery Alerts

These texts claim your package is delayed or that you owe a fee to correct your address.

Fake Bank Alerts

Messages may falsely indicate that there’s been unauthorized use of your card, or that your account is locked.

Fake Charges

Some scams state you owe a small fee, pushing you to pay immediately, often redirecting you to sites that harvest your information.

Fake Account Warnings

These messages may warn you that your accounts will be suspended, sending you to a login page meant to steal your credentials.

If You’ve Already Clicked

First, don’t freak out. Take action:

If You Clicked a Link

  • Close the page immediately
  • Don’t download anything
  • Do not provide any personal information
  • Clear your browser history
  • Keep an eye out for strange pop-ups or account alerts

Just opening a phishing page doesn’t mean your information is compromised. Entering personal details heightens the risk.

If You Entered Your Password

  • Change your password right away
  • Update other accounts using that password
  • Enable two-factor authentication (2FA)
  • Check your recent account activity
  • Sign out of any unfamiliar devices

If You Shared a One-Time Code

Change your password for the affected account immediately and consult the company through official channels to inform them of the potential breach.

If You Shared Payment Information

  • Contact your bank or card issuer
  • Ask about locking or replacing your card
  • Check for unauthorized transactions
  • Consider enabling transaction alerts

If You Entered Your Social Security Number

It’s wise to visit IdentityTheft.gov for guidance on creating a recovery plan and to consider freezing your credit to prevent further fraudulent activity.

If You Downloaded Something

  • Run a security scan immediately
  • Remove suspicious files or apps
  • Check recently installed applications
  • Inspect permissions for unfamiliar applications
  • Keep your system and security software updated

Report Fraudulent Texts

Secure your accounts first, then:

  • Utilize your phone’s options for reporting junk or spam
  • Forward the text to 7726 (SPAM)
  • Block the sender
  • Delete the suspicious message
  • Report it to the Federal Trade Commission

The Role of Antivirus Software

While developing good habits can be your best defense against scams, solid antivirus software adds another layer of protection. Some security tools can flag suspicious links, phishing sites, or harmful downloads before they threaten your information.

One Key Rule to Remember

When faced with a surprising text, take a moment to verify independently. Act only through official channels. This habit can significantly reduce the risk of falling prey to scams.

Final Thoughts

Scam texts capitalize on common anxieties. Issues like delayed deliveries or bank warnings can feel so real that it’s tempting to react immediately. Avoid responding to links or numbers provided in texts; instead, verify through trusted, official websites or apps. Strong antivirus software can help identify some threats, but staying vigilant is crucial for your cyber safety.

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