If you have received an offer for a loan that has been pre-approved, but you have not made a request, you should be wary. You definitely should not follow the links in the letter or SMS or call the numbers provided - first check the information. There can be two senders of such mailings: a bank or scammers.
Bank offer
If the mailing came from a bank where you have a card, an active deposit or a loan, it is easy to check: an offer for a loan on special terms will appear in your mobile application, or you can contact the bank and clarify.
Banks often send out SMS messages about loans that have been pre-approved and offer to apply. This is just advertising. It is the bank's decision whether to approve or not your request later. Perhaps you already have a high financial burden or delinquencies in your credit history, but the bank has not yet managed to exclude you from the advertising mailing list.
Sometimes messages about loans that have been pre-approved russia mobile database come from banks that you are not a customer of. If you often share your contacts, such offers should not surprise you. Perhaps you applied for a loan at a store, and the employee sent the request to different banks. Along with the application form, you sign permission to process personal data, which includes an email address and phone number. And this is just one of the ways the bank can get your contacts.
Fraudulent scheme
What is popular with banks, sooner or later begins to be used by scammers. They send messages with a feedback number or call you themselves and say that you have been approved for a loan.
In fact, they can generate a request on your behalf to steal your credit funds. Unlike a bank employee, a fraudster can ask you for your passport number, card number, or SMS code. Never give this information to anyone.
If you received a message with a number for feedback, check it in the official bank contacts. If it is not there, do not call, even if you are very interested in the offer. It is better to call the bank on the official number, ask all the questions. If there is no pre-approved loan, report fraud.