Emualynk: One game that really scared me thought was Fahreinheit (Indigo Prophecy).
I remember the moment when you had to go to the archive room with the policewoman character who is claustrophobic.
Even thought I am not claustrophobic I remember being scared when I missed the combination and got her scared.
Yeah that was a good part of the game, I am claustrophobic so it probably worked better on me than on others. Also right near the start when lucas goes home & has the sink cupboard with the mirror open then closes it to see the dead guy's face was good. Saw it coming a mile off given how the camera was placed but it still sort of made me jump
Condemned Criminal Origins creeps me out a fair bit. The only problem with it is that I find the darkness annoying rather than creepy so I'm not really likely to play it much more which is a pity since it seems like a fairly good (though flawed) game
I thought the ocean view hotel in bloodlines was good, not scary really but had a really good atmosphere coupled with a few 'makes me jump' moments. The Tzmisce snuff film house was pretty nasty too for much the same reason