There are no motives from your end in 90% of the cases these communications have. You may not have checked your credit report, may not even need a personal loan, but you are already a possible client. There are some questions you may have immediately after seeing these messages – “How do you know that I am relevant if I did not supply them with my documents? “Without even uploading my data, do they know my credit score? “And the big question is, is this a SCAM?”. The third question is the most real doubt one may have, and let us be honest: Yeah, a message like this is likely to be used in a banking scam.