Keeping up with the latest scams and all the red flags that warn us of each one is exhausting. Scams constantly evolve, and each comes with its own red flags to remember. But some warning signs apply to a wide range of scams, and recognizing them can help you to react safely. 

Most scams come at us with three elements: unexpected contact, a surge of emotion, and a sense of urgency. Together, these elements form a “trigger” for a safe response. Many of us learned as children that if our clothing caught fire (the trigger), our response should be to “stop, drop, and roll.” The safe response for scams is to take an “active pause.” The active pause is a deliberate act that allows us to move away from an emotional response and engage with logic. 

With the active pause, we can reflect on what we might know about the situation confronting us. Is this something I have heard about before? Does the scenario make sense? Is there some way I can verify the communication? In the end, the active pause can help us recognize the scam and protect our money and sensitive information. 

Know the triggers, know the response: Pause. Reflect. Protect. 

Learn how to spot and avoid scams with AARP Fraud Watch Network™. Suspect a scam? Call our free helpline at 877-908-3360 and talk to one of our fraud specialists about what to do next. 

Need a scam prevention speaker for your group? Send an email to me@aarp.org.