Special Thanks to everyone who contributed. Even if I didn't include a quote from you in the article, I enjoyed reading everyone's stories!
Seems like the winners for scariest games are:
Fatal Frame
Alien Isolation
and F.E.A.R (this one surprised me)
But I guess everyone is different!
Let me know what you think of the article, any comments or critiques are welcome, preferably leave them on my site and not on the forum. Thanks so much!
http://www.discussking.com/the-spill/why-are-games-scary