Protecting your credit from scammers is as easy as taking a breath.

When saving and preparing your credit for a home purchase or even to lease you can’t drop your guard for a minute. Loft Blog Staffers and Customers all have stories about getting scam calls. Your best defense is to take a breath and be lazy about responding. The scammer call will make you feel anxious and say something to make you want to respond to their call so they can gather your precious information to really mess up your credit. Don’t do it! If you really think there is an issue call the account in question directly. Or check your account online to confirm there is no issue at all.

Scammers are calling people and using the names of two companies everyone knows, Apple and Amazon, to rip people off. Here’s what you need to know about these calls. During the pandemic consumer protection experts say there was a huge uptick in scams and fraud. The most reported schemes we’re being attacked with are impostor scams and lately no business name is being used more than Amazon.

Fake calls from Apple, American Express, and Amazon support: What you need to know

In one version of the scam, you get a call and a recorded message that says it’s Amazon. The message says there’s something wrong with your account. It could be a suspicious purchase, a lost package, or an order they can’t fulfill. In another twist on the scam, you get a recorded message that says there’s been suspicious activity in your Apple iCloud account. In fact, they say your account may have been breached. In both scenarios, the scammers say you can conveniently press 1 to speak with someone (how nice of them!). Or they give you a phone number to call. Don’t do either. It’s a scam. They’re trying to steal your personal information, like your account password or your credit card number.

Keeping an eye on your credit make leasing and purchasing more affordable. Poor credit can cost you in higher interest rates on your mortgage. That can mean thousands of dollars over the life of your loan. When looking for ways to get into your. first loft consider a plan where you rent to own. It will give you time to build equity and address any credit issues before you commit to a home loan.

Have you been the victim of a phone or email scam. How did you avoid it or what would you have done differently to avoid it? Comment

Do not call a phone number they gave you

Do not give out your personal information

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Copyright © This free information provided courtesy L.A. Loft Blog with the information provided by Corey Chambers, Realty Source Inc, DRE 01889449; MPR Funding Inc NMLS 2000513. We are not associated with the seller, homeowner’s association, or developer. For more information, contact 213-880-9910 or visit LALoftBlog.com, Licensed in California. All information provided is deemed reliable but is not guaranteed and should be independently verified. Properties are subject to prior sale or rental. This is not a solicitation if the buyer or seller is already under contract with another broker.