Scammer has your name, phone number and address. What can they actually do?

Cybercrime losses reached nearly $21 billion last year, and the FBI data cited by Kurt “CyberGuy” Knutsson points to increasingly sophisticated AI scams. He says investment fraud alone cost victims $8.65 billion. In a free live “CyberGuy LIVE” class, Knutsson explains what criminals can realistically do with seemingly basic personal details—especially a name, phone number, and home address. Those facts usually can’t, by themselves, empty a bank account or fully steal an identity, but they make scams far more convincing. A key risk is when basic data is combined from breaches, social media, people-search sites, or earlier phishing attempts.