I dont get spooked on games. When you hear something and you get scared easily it usually means that you passed the trap on the game like on condemned 2.
Example: If you go so far in the hallway it triggers someone to come at you, like when you get the the mansion(log cabin) and your in the snow, the bear begins to chase you out of no where.
Example 2: On condemened(number 1) when your running through the train station in I believe level four. There are the firemen with the...umm gaint hammer lol all i can think of right now, but back on task, they begin to chase you because you went so far into the underground train station, and if you have someone following you and there not the same character throughtout the game sometime you can get them to fight themselves while you can save some Health.
If you've never played niether of the condemns you should go and rent them, they take about a week too beat if your really into games and can use your head.
The original Silent Hill had a pretty serious creepy factor when you were running around with just a flashlight and no real defense. Other than that the newer ones and Resident Evil 4 are more Shock moments than scare moments. Although it is creepy when you are playing the extra games in RE4 and you hear the chainsaw men but can't see them, you are always thinking your head is going to pop off at any second.