SIM Card Swap Scam

I guess I’m missing something about this scam, particularly with an iphone. I understand someone can convince my carrier that they are me and then the carrier swaps the account to the crook’s phone. Ok my phone goes dead, I can’t call or text and the crook will receive my calls, texts and any 2FA texts.

How are they able to restore my apps to their phone? How are they able to get into any financial or email accounts without the login for those accounts? Don’t they still need login info for my accounts including icloud?


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