Your Credit Score Is Underage

| TN, USA | Working | August 4, 2017

(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*

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