: If you are genuinely concerned about who has your credit information, go directly to official, secure sources like AnnualCreditReport.com to get your free legal reports from Equifax , Experian, and TransUnion.

: 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

: Block the sender's number and report the text as junk/spam through your phone's messaging app.

If you received a text message containing this phrase, it is likely an attempt to trick you into calling a number or clicking a link to "cancel" a fake loan or resolve a credit issue. What You Should Know

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

The phrase "" is associated with a smishing (SMS phishing) scam .

: Replying "NO" or "STOP" confirms your number is active, which can lead to even more scam messages.