Text Scam Detector · printable + fillable PDF
One Text. One Tap. That Is All It Takes.
Sort any text into Scam or Safe in 30 seconds, before you tap.
From 35+ years of fraud investigation experience — the same red flags, scripts, and response steps investigators use, applied to the texts hitting phones right now.
The transformation
From second-guessing every text to a 30-second answer.
Before
- You second-guess every "bank alert" and package notice
- You ask around, hope for the best, and tap anyway
- An "IRS refund" text ruins your whole afternoon
- If you already tapped — you have no plan at all
After
- You run the 30-second check and know: Scam or Safe
- You verify on numbers you looked up yourself
- One suspicious text gets forwarded to 7726 and deleted
- If you already tapped — you follow the first-30-minutes plan
What's inside
Everything in the guide — nothing invented.
A printable, fillable PDF you download the moment your payment clears. Print it, fill it in, and keep the quick-reference card by the phone.
- 1
The anatomy of a scam text
The five parts every smishing message shares — and the one habit that exposes most of them.
- 2
A 10-second red-flag checklist
Ten smishing red flags you can apply at a glance.
- 3
Real scam-text templates
Delivery and package-fee scams, bank fraud-alert texts, prize and OTP scams, subscription and toll renewals — as they actually read.
- 4
Verification scripts
What to do instead of clicking — the official app, the number on your card, the 10-second rule.
- 5
Link & number safety
Never-tap rules plus safe habits: previewing links, forwarding to 7726, blocking senders.
- 6
Account protection steps
Two-factor authentication, password managers, recovery contacts, credit freezes — make yourself a hard target.
- 7
Where and how to report
7726, the FTC, and ic3.gov — plus how to keep evidence that holds up.
- 8
If you already clicked
A first-30-minutes response plan: disconnect, change the password, re-verify 2FA, call the bank.
- 9
Elder & family defense
A family code word, spam filtering, and a weekly check-in that catches what slips through.
- 10
A quick-reference DO / DON’T card
The whole guide on one page — keep it by the phone.
- 11
Four fillable worksheets
A suspicious text log, an account verification sheet, your smishing defense plan, and an incident report.
Who wrote this
Built from 35+ years of fraud investigation experience.
I'm Shirley Pegram, founder of Digital Hustle Queen. I spent more than 35 years reading the case files, tracing the transfers, and calling families back after the money was gone. This guide is the checklist I wish every one of them had before the phone rang.
The next suspicious text takes 30 seconds to sort.
Instant PDF download the moment your payment clears. Backed by a 30-day money-back guarantee.