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

If you've ever wondered how much damage a scammer could really do with your name, phone number and home address, the answer is probably more than you'd expect.

Those three details are generally not enough by themselves to empty your bank account, take out a major loan or completely steal your identity. However, they can give a scammer a believable starting point. From there, the goal may be to trick you into revealing the more sensitive information they still need.

That is what makes...