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A recent GOBankingRates survey revealed the top red flags that tip people off about potential scams.

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Erika Kullberg, attorney and personal finance expert withErika.com, agreed.

One of the biggest financial red flags is unsolicited communication, she said.

Scammers, in fact, are counting on you questioning your memory when it comes to such things.

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Marc Guberti, a CPFC and expert withAnnuity.org, warned: Time-sensitive offers are another indicator of potential scams.

And thats just one app.

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