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Loans & credit

Check loan, credit and prize claims before sending any upfront payment.

6 situations to exploreWarning signs · Verification · Response

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These requests deserve another check.

Start with the action they want: a payment, a verification code or an unfamiliar download. Find a situation close to your experience, then follow its independent verification steps.

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Advance-fee loan scams

A loan offer promises easy approval, then demands deposits, insurance or repair fees before releasing funds.

Credit repair scams

A service claims insider access to erase genuine late payments, collects fees and may encourage false disputes.

Credit limit increase scams

An impersonated bank sends a credit limit link to steal card details, passwords or one-time codes.

Debt relief scams

A broker promises major debt reductions and collects fees without delivering creditor negotiations.

Fake checks and overpayment refunds

A buyer or employer claims to overpay and asks for a refund. An available balance does not prove the funds are genuine.

Prize and lottery advance-fee scams

An unexpected prize requires taxes, delivery or registration fees first, while the promised prize does not exist.

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Loans & credit

These requests deserve another check.

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