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These mistakes could tank your credit score

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These mistakes could tank your credit score

Do you know the difference between 550 and 780? Yes, they’re 230 digits apart, but they’re also examples of bad and good credit scores, respectively.

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If you don’t check yours regularly, now’s the time to start. Small mistakes are a lot more common than you think, and they can do some serious damage to your credit score. I’ll let you in on some of the most common credit report mistakes and what you can do to fix them.

5-MINUTE CLEANUP FOR YOUR PHONE AND COMPUTER

Step 1: Get your free credit report

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The three credit reporting agencies (TransUnion, Experian and Equifax) are required by law to provide you with one free credit report a year. Sweet. There are a few ways you can request a copy from each agency.

Online is the fastest route. If you submit a request via phone or mail, expect to wait two weeks after the paperwork is received.

  • Online: www.AnnualCreditReport.com
  • Phone: 877-FACTACT (877-322-8228)
  • Mail: Download and complete the Annual Credit Report Request Form. Send it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281

Pro tip: Grab your report from the fourth credit bureau, Innovis, too.

Close up of a man with a smartphone and laptop computer on January 31, 2019.  (Neil Godwin/Future via Getty Images)

Step 2: Look for the most common mistakes

Typos or wrong info: Anything from your name spelled incorrectly to your address or your birthdate off by one number. Tiny mistakes can mix up your credit with someone else’s.

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Accounts you don’t recognize: If you see something you don’t recognize, don’t ignore it! This includes credit cards you never applied for, loans in your name or purchases you didn’t make.

Duplicates: It’s not normal to see a debt twice on a credit report. This includes things like the same collection account, transferred debts showing as separate accounts or paid-off debts still sitting there.

Incorrect account info: Sometimes, payments can mistakenly show up as late, or closed accounts may still show as active. Other times, reports may show the wrong credit limit or mess up your payment history.

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Outdated info: Bankruptcies older than 10 years, late payments older than seven years and outdated collections accounts should not be showing on your credit report.

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Step 3: Report anything strange

Don’t panic! Write down and make copies of anything that looks off, then file a dispute with the credit reporting company by mail, phone or online.

If you’re filing online or by mail, explain in writing exactly what’s wrong and why, and include copies of documents with proof. Make sure to include your contact info, credit report confirmation numbers and a copy of your version of your credit report.

Close-up of the upper corner of a consumer credit report from the credit bureau Equifax, with text reading Credit File and Personal Identification, on a light wooden surface, September 11, 2017.  (Smith Collection/Gado/Getty Images)

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And always follow up! Bureaus are required to look into your disputes within 30 days. Track its progress until you have a resolution in writing. If your dispute is valid, the bureau has to fix it and tell the other bureaus as well.

A lot of these issues boil down to good old-fashioned human error. It happens, but don’t let that stop you from taking charge.

Related: How to run a 5-minute privacy check on your phone

While you’re at it, find your job number

Equifax also runs a database of 716 million income and employment records, including, potentially, yours. It’s called The Work Number, and employers use it to make sure you are who you say you are.

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Your Employment Data Report (EDR) includes things like where you’ve worked, when you worked there and your exact past salary numbers.

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Trying to get a new job? An employer could use your EDR to find your past salary range and lowball you in negotiations. And, of course, Equifax will sell your EDR to anyone who’s buying, including debt collectors. 

Money smarts: It’s not just bogus calls and emails putting your bank info at risk

How to stop it

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You can freeze your EDR just like a credit report. You can also see who’s tried to access it within the past two years. You’ll need to make an account with The Work Number to do it. 

  • Search for your current or former employer(s) using their name or employer code (the nine-digit number on your W-2).
  • Click their name, followed by Register Now. Heads-up: It’ll ask for your Social Security number.

Once you register, look over your report and make sure it’s accurate. Fill out this data dispute form if you find anything fishy.

A credit card is pictured alongside a restaurant bill. (iStock)

Then, head back to the dashboard and click Freeze Your Data. Fill out the Data Freeze Placement Form and submit itThe Work Number will send you a freeze confirmation letter, along with a PIN. Save your PIN in your password manager. You’ll need it if you ever want to unfreeze your report.

You can always log into The Work Number or call them to unfreeze your report.

If you can’t find your employer: They may not be registered with The Work Number. Call the freeze helpline at 1-800-367-2884 to double-check.

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Unless you’re actively applying for a loan or government benefits, or unless an employer actively requests your EDR, it’s a no-brainer to freeze it. And if a potential employer insists on checking your EDR to hire you, maybe it’s not the right fit after all.

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Polymarket defends its decision to allow betting on war as ‘invaluable’

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Polymarket defends its decision to allow betting on war as ‘invaluable’
It might be World War III, but at least I won $20. | Image: Polymarket / The Verge

Polymarket has been allowing people to bet on when the US would strike Iran next. Obviously, now that it’s actually happened and people have died, the prediction betting market is feeling some pressure. The site has been at the center of controversy before, including suspicions of insider trading on the Super Bowl halftime show and the capture of Venezuelan President Nicolás Maduro.

In a statement posted on its site, Polymarket defended its decision to allow betting on the potential start of a war, saying that it was an “invaluable” source of news and answers, before taking shots at traditional media and Elon Musk’s X. The statement reads:

Read the full story at The Verge.

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Google dropped dark web monitoring: Should you care?

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Google dropped dark web monitoring: Should you care?

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Google has officially discontinued its Dark Web Report feature, a free tool that once scanned known dark web breach dumps for personal information tied to a user’s Google account. The service delivered notifications when email addresses and other identifiers appeared in leaked datasets.

According to Google’s support page, the system ceased scanning for new dark web data Jan. 15, 2026, and the reporting function was removed entirely on Feb. 16, 2026, meaning users can no longer access the feature.

The company said the decision reflects a shift toward security tools it believes provide clearer guidance after exposure, rather than standalone scan alerts.

If you previously relied on the free dark web scan as an early warning signal for leaked data, this change removes one of your sources.

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Google officially ended its Dark Web Report tool, removing free breach alerts tied to user accounts. (Kurt “CyberGuy” Knutsson)

So what did users really lose?

Google’s Dark Web Report acted as a basic exposure scanner. It checked whether personal information linked to a Google account had surfaced in known breach collections circulating on the dark web.

When a match is found, users receive a notification identifying which type of data appeared in a leak. Depending on the data breach, that could include an email address, phone number, date of birth or other identifying details commonly harvested during large-scale hacks.

The report did not display stolen credentials or provide access to the leaked database itself. It also did not trace the origin of the compromise beyond referencing the breached service when available.

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After an alert was issued, the next steps were left to the user. Google recommended actions such as changing passwords, enabling stronger authentication methods and reviewing account security settings. With the tool now removed, that automated breach check tied directly to a Google account is no longer available.

What you still have access to

Google directs users to its Security Checkup, a dashboard that scans your account for weak settings and unusual sign-in activity.

Its built-in Password Manager includes Password Checkup, which scans saved credentials against known breach databases and prompts you to change exposed passwords. Google also supports passkeys and two-factor verification to lock down account access.

The Results About You tool lets users search for personal information in Google Search and submit removal requests for certain publicly indexed details.

149 MILLION PASSWORDS EXPOSED IN MASSIVE CREDENTIAL LEAK

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Without the automatic scan, users must now check for leaked data using other security tools. (iStock)

Alerts don’t always mean protection

Once personal information is compromised, it often ends up far beyond the breach itself. Stolen credentials and identity data are regularly trafficked on underground platforms where buyers can search for information tied to real people.

The BidenCash dark web marketplace was taken down by U.S. authorities in June 2025, and the Justice Department confirmed that the platform peddled stolen personal information and credit card data.

These illicit markets operate with a level of organization not unlike legitimate online stores. Search tools and bulk data sets are up for grabs and can be used to target any online account. This makes credential stuffing easier, where attackers test leaked passwords across multiple services in hopes of barreling into your account.

A breach alert tied to a dark web scan points to a leak at one moment in time; it does not follow whether that information has been sold to third parties or used in subsequent fraud attempts. For everyday users, this means that just knowing your data appeared in a leak doesn’t help much.

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Stolen personal information can circulate for years, making ongoing monitoring more important than a one-time alert.  (Kurt “CyberGuy” Knutsson)

Identity monitoring may be a better option

With Google’s scan gone, some people may consider dedicated identity protection services instead. Many of these services offer continuous monitoring of your personally identifiable information and send alerts about changes to your credit reports from all three major U.S. credit bureaus. That can include notifications about new inquiries, newly opened accounts and monthly credit score updates. Some plans also monitor a broader range of personal identifiers, such as driver’s license numbers, passport numbers and email addresses.

Beyond credit monitoring, certain services track linked bank, credit card and investment accounts for unusual activity. They may also monitor public records for changes to addresses or property titles and alert you if your information appears in those filings.

Many providers include identity theft insurance to help cover eligible out-of-pocket recovery costs. Coverage limits vary by plan and provider. Additional features often include spam call and message protection, a password manager, a virtual private network (VPN) and antivirus software.

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No service can prevent every form of identity theft. However, ongoing monitoring and recovery support can make it easier to respond quickly if your information is misused.

See my tips and best picks on Best Identity Theft Protection at Cyberguy.com.

Kurt’s key takeaways

Google’s decision to drop its Dark Web Report may seem small. But it removes a tool many users relied on. For some, those alerts were the first warning that their data appeared in a breach. That automatic scan is now gone. Google still offers Security Checkup, Password Checkup, passkeys and two-step verification. However, none of them actively scan dark web breach dumps for you. Stolen data does not disappear. Criminals copy, sell and reuse it. One alert shows a single moment. Ongoing identity theft monitoring helps you stay aware over time.

Now that Google has dropped its dark web monitoring feature, will you actively check your data exposure or assume someone else is watching it for you? Let us know your thoughts by writing to us at Cyberguy.com

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Copyright 2026 CyberGuy.com. All rights reserved.

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Xiaomi 17 is a small(ish) phone with a big(ish) battery

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Xiaomi 17 is a small(ish) phone with a big(ish) battery

Xiaomi has just given a global launch to two of its latest flagship phones, the Xiaomi 17 and 17 Ultra, along with a Leica-branded Leitzphone edition of the Ultra. There’s no sign, however, of the 17 Pro, which launched in China with an additional display mounted next to the rear cameras.

The 17 and 17 Ultra will apparently be available soon in the UK, Europe, and select other markets. The 17 — pitched as a rival to the likes of the iPhone 17 and Samsung Galaxy S26 — will cost £899 / €999 (about $1,200), while the larger and more capable Ultra starts from £1,299 / €1,499 ($1,750). The limited-edition Leitzphone will be substantially more expensive at £1,699 / €1,999 ($2,300), though it includes 16GB of RAM and 1TB of storage, along with a few extra accessories.

I like the simple, sleek aesthetic of the phone.
Photo of Xiaomi 17 homescreen on a wooden table outdoors

The 6.3-inch display isn’t tiny, but it does make the phone small by modern standards.
Closeup on Xiaomi 17 rear camera

All three of the phone’s rear cameras are 50-megapixel.

The 17 is an extremely capable small-ish flagship, with a 6.3-inch OLED display, Qualcomm Snapdragon 8 Elite Gen 5, and large 6,330mAh silicon-carbon battery (though sadly smaller than the 7,000mAh version launched in China). I won’t be writing a full review of the 17, but did spend a week using it as my main phone, and found that the battery cruised past the full-day mark, though wasn’t quite enough for two full days of my typical usage. That’s far better battery life than you’d find in similarly sized phones from Apple, Samsung, or Google.

The cameras impress too, with 50-megapixel sensors behind each of the four lenses, selfie included. Pound for pound, you won’t find many better camera systems in any phone this size.

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1/10

I’ve been largely impressed by the Xiaomi 17’s cameras.

The Ultra, unsurprisingly, takes things to another level. It’s much larger, with a 6.9-inch display, and weighs a hefty 218g. Despite that, the 6,000mAh is actually smaller, though I found it delivered pretty similar longevity.

Photo of Xiaomi 17 and 17 Ultra on a table, closeup on the cameras

The 17 Ultra is larger in just about every respect, but strangely has a smaller battery.

The enormous camera is, as ever for Xiaomi’s Ultra phones, the highlight. There are 50-megapixel sensors for each of the main, ultrawide, and selfie cameras, with a large 1-inch-type sensor behind the primary lens. The periscope telephoto is even more impressive: 200-megapixel resolution, a large 1/1.4-inch sensor, and continuous optical zoom from 3.2x to 4.3x, the equivalent of 75-100mm. Xiaomi isn’t the first to pull off a true zoom phone — Sony’s Xperia 1 IV got there first in 2022 — but the telephoto camera here is far more capable than that phone’s, with natural bokeh and impressive performance even in low light.

Photo of Xiaomi 17 Ultra Leitzphone outdoors

This is the Leica-branded Leitzphone version of the 17 Ultra.

The camera capabilities are supported by Xiaomi’s ongoing photography partner Leica, but it’s the pair’s Leitzphone that really emphasizes that. Slightly redesigned from the 17 Ultra Leica Edition that was released in China last December, this includes Leica branding across the hardware and software, a range of Leica filters and shooting styles, and a rotatable rear camera ring that can be used to control the zoom. It’s the first Leica Leitzphone produced by Xiaomi — after a trio of Japan-only Sharp models — and comes with additional branded accessories, including a case with a lens cap and a microfiber cleaning cloth.

Xiaomi has plenty of other announcements alongside the 17 series phones at MWC this year, including a super-slim magnetic power bank, the Pad 8 and Pad 8 Pro tablets, and a smart tag that supports both Google and Apple’s tech-tracking networks.

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Photography by Dominic Preston / The Verge

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