I received this message in my junk email. So, obviously something isn't right about it to start with. The following is the break down of the major parts of the message I received.

Here is the subject of this scam email:

This email was supposedly sent by:

Here is the body of the email:

[More:]

Did you know your credit score cam increase your mortgage, car loan and credit card payments by thousands of dollars? Or even stop you from buying anything unless you pay cash. But it doesn't stop there!

Bad credit can cost you your job. In a recent study, about 35 percent of the companies surveyed by the Society for Human Resources Management, were found to prepare credit reports of current or potential employees. Bad credit can increase your insurance payments, because believe it or not, insurers believe credit is an exceptional way of forecasting, whether you will file a claim. More important than just about any other element including your previous driving history.

And bad credit can even make renting an apartment difficult - your rental application can be denied(a co-signer may be required). A deposit may be asked, which is usually not required. Or the rentier may require a higher rent.

That's the bad news!

But the GOOD NEWS is that you can improve your credit once you know what is affecting it. Answer to this email, or send us a reply to 1243tharaldson.michael@gmail.com to see if there are still Free Credit Reports available at your area. And get yours now, untill we still have supplies left on store!

the US Credit Report

If you receive an email like this, don't respond to it, or follow any links. JUST DELETE IT
Dave