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Random freezes, missing sound and display glitches usually trace back to one bad driver. Find and replace yours safely.Free scan · under a minuteTeach one repeatable rule: stop before responding, verify through a phone number or app you already trust, and ask someone you trust if the message feels urgent. An unexpected text is not automatically a scam, but it is not safe to use the text itself to prove it is genuine.
Teach a four-step routine: Stop, Check, Verify, Report
Agree on these steps together and keep them somewhere easy to see, such as beside the phone. Practice them with a pretend message so the response is familiar before a real one arrives.
- Stop. Do not reply, tap a link, call a number in the message, or share personal or financial information.
- Check. Ask whether the message was expected. Surprise account warnings, threats, urgent delivery problems, unexpected refunds, and instructions to pay are reasons to slow down.
- Verify. Find the organization’s contact details independently: use the number on a bank card or statement, or open its official app or website yourself. If unsure, ask a trusted person to check with you. Do not use a link or phone number supplied in the text.
- Report. Use the phone’s report-junk option or forward the unwanted message to 7726 (SPAM). If it appears to be fraud, report it at ReportFraud.ftc.gov.
The FTC’s short reminders capture the habit: “Slow down and check it out” and “Don’t give money or information to anyone who contacts you unexpectedly.” See its guiding principles for helping older adults spot fraud.
Show how common scam texts try to catch someone off guard
Scammers may pose as a bank reporting suspicious activity, a delivery company asking to fix a problem, a toll agency demanding payment, a prospective employer offering a job, or a stranger who claims to have texted the wrong number. Other examples include fake invoices and unexpected loan applications. The stories change; the reusable clues are surprise, pressure, and a request to click, share information, or pay. The FTC describes these examples in its advice about unexpected texts.
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A display name, logo, or familiar company name does not establish that a text is genuine. A real organization may contact customers, so the practical rule is not “every unexpected text is a scam”; it is “do not use the message’s own link or number to verify it.” Find a known-good contact route independently.
Explain why urgency and unusual payment instructions matter
Scammers often try to make a person act before they have time to check. The FTC identifies unexpected contact, pressure, and directions about how to pay as recurring warning signs. Be especially cautious if a message or follow-up conversation demands gift cards, a wire transfer, cryptocurrency, a payment app, cash, or a courier pickup to protect an account or resolve a supposed problem. A legitimate agency or business will not need a customer to move money in those ways to “protect” it. The FTC’s guide to recognizing scam signs explains these tactics.
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The scale of reported losses is a reason to take impersonation seriously, not a prediction about any one person: the FTC reported that losses over $100,000 to business and government impersonators among adults age 60 and older increased nearly sevenfold from 2020 to 2024. That comparison concerns reported losses, not how many older adults receive scam texts or an individual’s likelihood of being targeted. Read the FTC’s 2025 account of impersonators targeting older adults.
Make the conversation calm, respectful, and easy to use
Frame the routine as a way to stay in control, not a test of someone’s judgment. You might say: “Scam messages are designed to catch anyone off guard. If one feels urgent, let’s check it together before you respond.” Ask which trusted person your parent wants to call when a message feels alarming, and agree that asking for help is always welcome.
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Keep the written checklist brief and readable. The FTC recommends larger, simple fonts, high contrast, whitespace, and bullet points for older-adult education materials; it also advises using empowering language rather than lecturing, shaming, or frightening people. Its review of scam-prevention messaging notes that messages can be forgotten and urgency can disrupt critical thinking, so memorable reminders are promising guidance—not proof that one family script works for everyone.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Report unwanted texts and act quickly if money or information was shared
For unwanted texts, the FTC lists three reporting routes: forward the message to 7726 (SPAM), report it through the messaging app, and report suspected fraud to ReportFraud.ftc.gov. Forwarding helps wireless providers spot and block similar messages. The exact report-junk, filtering, and blocking options vary by phone and provider; these tools can reduce unwanted messages but cannot guarantee that every scam will be caught. See the FTC’s spam-text reporting steps.
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- If money was sent: Contact the company or financial institution used to send it right away and ask whether the payment can be stopped or recovered, then report the scam.
- If personal information was disclosed: Use IdentityTheft.gov for tailored identity-theft steps.
- If a suspicious link was opened: Stop interacting with the message, and do not provide further details or payment. Use the independently verified contact route for any account the message claimed to involve.
The FTC also describes ways to deal with spam texts and other unwanted messages, including available phone and provider tools.
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