Scam Risk Checker
Got a message, call or email that feels wrong? Answer four short questions and get an instant Scam Likelihood Score with recovery steps matched to what has already happened.
- About 60 seconds
- Runs in your browser — nothing is stored or sent
- No sign-up
How the checker works
It scores behavior, not artifacts
Phone numbers, domains and sender names rotate constantly. What stays stable is what you are asked to do — so that is what we evaluate.
Some answers are decisive
Being asked to read a passcode aloud, move money to a "safe account", or pay in gift cards is conclusive on its own and raises the score to critical.
Guidance matches your exposure
The next-step list is generated from what you told us you already did, ordered by how time-sensitive each action is.
Frequently asked questions
Is the Scam Risk Checker free and private?
Yes. It is completely free and runs entirely in your browser. Your answers are never transmitted to our servers, never stored, and never shared. Closing the tab discards everything. We do not ask for your name, email, phone number, or any account details, and you should never enter such details into any tool that scores a message for you.
How is the Scam Likelihood Score calculated?
Each answer carries a weight derived from how strongly that signal correlates with fraud in published consumer protection guidance. Certain answers — being asked to read a one-time passcode aloud, to move money to a "safe account", to install remote access software, or to pay in gift cards — are individually decisive, so selecting any of them raises the score to a critical band regardless of your other answers.
The score came back low. Does that mean it is definitely safe?
No. A low score means your answers did not match common fraud patterns, not that the contact is verified. Scam tactics change constantly and this tool cannot inspect the actual message. Treat a low score as one input alongside the universal rule: never act on an inbound contact. Hang up or close the message and reach the organization on a number you look up yourself.
The score is high. What should I do first?
Stop engaging immediately, and do not complete any action you were asked to take. If money has already moved or you disclosed a passcode, call your bank on the number printed on your card within the hour and ask for a hold, a recall attempt, and reissued credentials. The tool generates a tailored list of next steps based on what you told it, ordered by urgency.
Can this tool tell me if a specific link or phone number is malicious?
No, and be cautious of tools that claim to. This checker evaluates the behavioral pattern of the interaction — what you were asked to do and how you were pressured — rather than analyzing any technical artifact. That pattern is what stays stable across campaigns, while domains and phone numbers rotate constantly.
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