Spam is one of the few subjects where I practice more as a cynic than skeptic. I assume that nearly email I receive that even hints at having a commercial message is spam (and I'm careful to unsubcribe from commercial email that is opt-out). I'm most cynical and aggressive with any message that mentions credit reports or refinance. These target and prey upon people who are having financial issues, which ranks them high in the despicable category.
Recent refi or credit improvement scams use these Subject: lines:
With this increase to your credit score - you are in good shape
Your Credit Score May Have Changed
CONTACT US FOR A LOAN
Refinance rates are lower than ever! Achieve 2.99% now
Just verify the approved increase to your credit score and its done
Keep those hard earned funds in your pocket when you refinance today
Others attempt to look legitimate by invoking the names of the three major credit score firms (TransUnion, Experian, Equifax).
Many have telltale spelling or grammatical errors as well.
- The domain names are recent registrations
- The contact information in Whois records is privacy protected
- Using cURL, I can see that the home/base page is empty, i.e., it only contains
- The zone data for the domain is hosted on a name server that also hosts other scam domains.
I do these checks for research or reporting purposes. You don't need to.
Be cynical. Delete the message. Don't reply. Don't visit the site.