 One, for the grandchild scam specifically, reach out to that grandchild, hang up the phone call. First of all, if you don't recognize the phone number, don't answer it. That's a great way to screen a lot of those scams. But if you end up on the phone with somebody that is telling you you need to send money to either help a grandchild or claim winnings or somebody's used your credit card and they need you to verify your credit card number