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Someone can steal your Social Security number without stealing your name, your birthday, or your address — and use it to build an entirely different, fake person who has good credit, pays bills on time, and eventually disappears with everything they borrowed. That’s synthetic identity theft, and it’s the identity crime hardest for you to…
November 3, 2026. That’s your deadline to claim money from the Schnucks sales tax settlement — and it’s closer than it sounds. Schnucks is paying $6.3 million to settle claims it overcharged Missouri shoppers on sales tax every time they redeemed Rewards points. Filing takes about two minutes, and you don’t need a receipt. Schnucks…
Federal tax enforcement revenue fell sharply in fiscal year 2025, and a new watchdog report ties much of that decline directly to the staffing cuts carried out under the Department of Government Efficiency (DOGE), the cost-cutting initiative Elon Musk led during the early months of the second Trump administration. What the Watchdog Found The Treasury…
If you’ve been getting robocalls from First National Bank of Omaha about an old debt — even after telling them to stop — you’re not imagining it. Aaron Maxwell says the same thing happened to him, and he’s now suing FNBO in federal court, case No. 2:25-cv-00652, claiming the bank’s autodialer violated the Telephone Consumer…
What is a credit report? A credit report is a detailed record of your borrowing history compiled by one of the three major credit bureaus — Equifax, Experian, and TransUnion. It shows every credit account you have opened, how you have paid your bills, any public records like bankruptcies, and who has recently checked your…
How do you read a TransUnion credit report? Your TransUnion credit report is divided into seven sections: a summary, personal information, account history (called tradelines), credit inquiries, public records, collections, and a consumer statement if you have added one. Reading it correctly means checking every section for accuracy — one wrong entry can cost you…
What are the 5 levels of credit scores? Under the FICO model — used by 90% of top lenders — credit scores run from 300 to 850 and fall into five levels: Poor (300–579), Fair (580–669), Good (670–739), Very Good (740–799), and Exceptional (800–850). Each level changes what loans you qualify for, what interest rate…
How rare is an 830 credit score? An 830 credit score sits in the top 24% of all Americans. It falls in the “Exceptional” FICO range of 800–850, which only about one in four U.S. consumers has reached. At 830, you qualify for the best rates on mortgages, auto loans, and credit cards — and…
Is a 672 credit score good? A 672 credit score sits in the “Good” range under FICO (670–739) and qualifies you for most loans and credit cards. But it sits at the lower end of that range, which means you will get approved — just not at the best rates. The gap between 672 and…