: Replying "NO" or "STOP" confirms your number is active, which can lead to even more scam messages.
: 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. Who Has Our Credit File? – AZMATH
: These links often lead to phishing sites designed to look like legitimate banks or credit bureaus. : Replying "NO" or "STOP" confirms your number
: Block the sender's number and report the text as junk/spam through your phone's messaging app. Who Has Our Credit File? – AZMATH