From real reports
Common opening lines you'll hear
“You qualify for a federal program that can eliminate your credit card debt.”
“Lower your monthly mortgage payment — call us back today.”
“We can negotiate your student loans down to zero for a one-time fee.”
Take action
What to do if you've been targeted
- 1
Hang up. Never pay an upfront fee for debt help.
- 2
Use the FTC list of accredited credit counseling agencies.
- 3
Apply for federal student-loan programs directly at studentaid.gov, not through a third-party.
Common questions
FAQ
How does CallerScoop classify a number as debt reduction?
We aggregate signals from FTC Do Not Call complaints, FCC consumer complaint data, and verified user reports. When multiple independent reporters describe a number with consistent script details, our scoring engine elevates the risk score and tags the dominant category.
Why does the caller ID show a number I trust?
Caller ID is trivial to spoof. Scammers can display any number — including a real bank or government line — to make the call look authentic. Treat caller ID as unverified, especially when the call demands urgent action.
How do I report a number I received?
Use our report form — it takes 30 seconds and helps protect others. For larger losses, also file with the FTC at reportfraud.ftc.gov and (if you lost more than $500) with the FBI IC3 at ic3.gov.
Got a debt reduction call?
Adding a report — even a short one — helps the next person recognize this scam in real time.