How to Protect Yourself Against Phishing Texts

Phishing scams have come a long way from clunky emails full of typos. Today, scammers frequently send text messages that look like they come from companies you know and trust—utility providers, delivery services, banks, or even government agencies. These messages can feel urgent and convincing, but it's essential to pause and think before you act.

Here's how to protect yourself:

1. Don't React Quickly

Scammers count on you to panic. They'll claim your account is locked, your payment is overdue, or you're about to be fined. Their goal? To push you into making a quick decision.

Take a moment. Read the message carefully. Real companies don't demand immediate action through text threats.

2. Don't Click Links or Reply

Never click on links in suspicious texts. These links can take you to fake websites designed to steal your login details or infect your device with malware.

Avoid replying—even if it says "text STOP to unsubscribe." Replying can confirm your phone number is active, leading to more scams.

3. Verify Independently

If you think the message could be legitimate, verify it yourself.

• Find the official contact information. Look up the company's phone number or website on your own.

• Sign in through trusted channels. For example, if you get a text about an unpaid toll road bill, visit the official toll road website directly rather than clicking the link provided in the text.

• Call customer service. Use a phone number from your bill or the company's main website—not the one in the text.

4. Block the Number

Once you're sure the text is a scam, block the sender to prevent future messages. Most smartphones allow you to block numbers easily right from the message screen.

5. Report the Scam

Reporting helps protect you and others. Here's where to share information about phishing texts:

• Forward the message to 7726 (SPAM): This alerts your wireless provider.

• File a complaint with the Federal Trade Commission (FTC):ReportFraud.ftc.gov.

• For IRS-related scams: Forward the message to phishing at irs dot gov

6. Don't Share Personal or Financial Information

Never share details like:

• Your Social Security number

• Bank account numbers

• Credit card information

Legitimate companies will not ask for this information by text.

7. Be Suspicious of Red Flags

Keep an eye out for common warning signs:

• Requests for unusual payment methods: If you're asked to pay with gift cards or wire transfers, it's a scam.

• Threatening language: Messages claiming you'll be arrested, sued, or fined immediately are designed to intimidate you.

• Generic greetings: Messages that don't include your name or account details are likely fraudulent.

Stay Alert and Protect Your Information

Remember: Phishing texts can look exactly like real messages. If something feels off, trust your instincts. By taking a few extra steps to verify and report, you can help stop scammers in their tracks and keep your personal information safe.