I bought a second-hand iPhone and want to restart everything. How?

The former owner's iCloud is still signed in but in order for me to delete it and make my own I need to know her password, which I don't. Any tips?

There's always a factory reset setting in every phone. Do that. If you don't know how, take it to the store.

You'll need to get the previous owner's details. There's no way to bypass or remove it otherwise, and you can't do a reset since it will ask you for the password.

You'd have to get that password. If you can't reach her you may have been scammed.

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