8 out of 10...
This stuff is pretty bad. Remember, that 99% of the time, if they are asking you to verify info, or some bs like that it is a SPOOF! Also, pay attention to the websites they are sending you to. Also, most websites and companies offer a spoof protection. As in, contact them directly via from their websites or by phone to ensure this is true before you give away your info!! Don't be a foolish SQUID!!