LOUISVILLE, Ky. – Many people are getting emails and text messages this time of year about holiday deliveries, bank accounts or urgent problems — but not all of them are real.

Consumer experts warn there are common phrases that can signal a scam. A recent report highlights outdated or awkward language often used by scammers, including phrases like “would you kindly,” “dear sir or madam,” or sentences with poor grammar and spelling. Legitimate banks and government agencies typically do not make those kinds of mistakes.

However, experts say advances in artificial intelligence could make scams harder to spot, as scammers can now create more realistic messages that sound polished and professional.

The best advice is to stay cautious with any unexpected texts or emails, avoid clicking links, and verify messages directly with companies or agencies before responding.

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