Your Credit Score Is Underage
(My 12-year-old son has a cell phone so he can reach us in case of emergency. One day, his phone rings with a number he doesn’t recognize.)
Son “Hello?” *pauses a moment and hands me the phone* “Someone from Credit Card Services?” *whispers* “I think it’s a scammer!”
Me: “Hello?”
Scammer: “Yes, this is Courtney from Credit Card services and I’d like to offer you a chance to lower your bills!”
Me: “Why are you calling my 12-year-old’s phone?”
Scammer: “I am from Credit Card Services and I am offering you a chance to lower your bills.”
Me: “But why are you calling a 12-year-old? He doesn’t have a credit card.”
Scammer: “But this is a chance to lower your interest rates to lower your bills!”
Me: “But you called a TWELVE YEAR OLD. He DOES NOT have a credit card.”
Scammer: “But you can lower—”
Me: “NO! You have NO REASON to call a 12-year-old CHILD about this, as HE DOES NOT HAVE A CREDIT CARD. Do you understand? Now take me o—”
Scammer: *click*