: These messages often claim you have applied for a large loan (e.g., $10,000) or that your credit file is being accessed. This is designed to create a sense of urgency so you react without thinking.

: These links often lead to phishing sites designed to look like legitimate banks or credit bureaus.

: Scammers often use random or pseudo-professional-sounding tags like "AZMATH" to bypass spam filters or make the message appear as if it belongs to a specific file or tracking system. How to Respond