Technology

These mistakes could tank your credit score

Published

11 months ago

January 17, 2025

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

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.

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Outdated info: Bankruptcies older than 10 years, late payments older than seven years and outdated collections accounts should not be showing on your credit report.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

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.

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.

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How to stop it

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 it. The 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.

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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Technology

The FCC’s foreign drone ban is here

Published

12 hours ago

December 22, 2025

Press Room

The Federal Communications Commission has banned new drones made in foreign countries from being imported into the US unless the Department of Defense or the Department of Homeland Security recommends them. Monday’s action added drones to the FCC’s Covered List, qualifying foreign-made drones and drone parts, like those from DJI, as communications equipment representing “unacceptable risks to the national security of the United States and to the safety and security of U.S. persons.”

DJI is “disappointed” by today’s action, Adam Welsh, DJI’s head of global policy, says in a statement. “While DJI was not singled out, no information has been released regarding what information was used by the Executive Branch in reaching its determination.” Welsh adds that DJI “remains committed to the U.S. market” and noted that existing products can continue operation as usual. Other items on the FCC’s list include Kaspersky anti-virus software (added in 2024) and telecommunications equipment from Huawei and ZTE (added in 2021).

The FCC says it received a National Security Determination on December 21st from an interagency body saying that “uncrewed aircraft systems” (UAS) and critical UAS components produced in a foreign country could “enable persistent surveillance, data exfiltration, and destructive operations over U.S. territory” and that “U.S. cybersecurity and critical‑infrastructure guidance has repeatedly highlighted how foreign‑manufactured UAS can be used to harvest sensitive data, used to enable remote unauthorized access, or disabled at will via software updates.”

If you already own a drone made outside the US, you will still be able to use it, according to the FCC’s fact sheet. Drones or drone components can be removed from the Covered List if the DoD or DHS “makes a specific determination to the FCC” that it does not pose unacceptable risks.

“Unmanned aircraft systems (UAS), also known as drones, offer the potential to enhance public safety as well as cement America’s leadership in global innovation,” FCC chairman Brendan Carr says.

Technology

Netflix suspension scam targets your inbox

Published

12 hours ago

December 22, 2025

Press Room

Netflix suspension scam targets your inbox

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Holiday phishing attempts surge every year, and scammers know people juggle subscriptions, gifts and billing changes. That makes a fake alert feel real for a split second. Stacey P. emailed to tell us that he received one of these messages and wrote:

“I thought I should forward this message to you that I received today that was ostensibly from Netflix. Without clicking on any links, I called Netflix and they advised me that my account is in good standing. They asked me to forward this to them.”
— Stacey P.

Stacey’s experience shows how convincing these emails can appear and why taking a moment to verify can make all the difference. These Netflix suspension emails look polished at first glance. When you look closer, however, the warning signs jump out.

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HOLIDAY DELIVERIES AND FAKE TRACKING TEXTS: HOW SCAMMERS TRACK YOU

Holiday phishing scams spike as fake Netflix suspension emails exploit seasonal billing confusion and urgency. (Zeng Hui/Xinhua via Getty Images)

Why scammers use this approach

People expect billing reminders during the holidays. When you see a familiar logo during a busy day, your guard drops for a moment. Scammers build templates that look clean, simple and trustworthy because it increases their odds of success.

Red flags inside the fake Netflix message

The Netflix scam email attempts to mimic Netflix’s branding, but several details reveal it is fraudulent.

Spelling and grammar issues

The email includes mistakes real companies would never send. It uses valldate instead of validate, Communicication instead of communication and even writes “sent to yo” with the u missing from you. Errors like these are major signs of a scam.

Strange tone and pressure tactics

The message claims your billing info failed and says your membership will be suspended within 48 hours unless you act. Criminals rely on urgency because it stops people from thinking clearly.

Fake login buttons

The bold red Restart Membership button aims to lure you into entering your credentials on a phishing page. Once you type your password and payment details, you hand them over to attackers.

Generic greeting

The message uses Dear User instead of your name. Netflix includes your account name in official communications.

Suspicious footer and address

The footer contains off wording about inbox preferences and a Scottsdale address not tied to Netflix. Real subscription providers use consistent company details.

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A reader narrowly avoided a Netflix phishing scam by calling the company instead of clicking the email link. (Luis Boza/NurPhoto via Getty Images)

How to stay safe from the Netflix suspension scam

A few habits can protect your account even when a phishing attempt looks convincing.

1) Check your account on Netflix.com

Open Netflix on your browser or app instead of clicking any link in the email. Your account status there is always accurate.

2) Avoid entering payment details through email links

Phishing pages often copy real sites. Instead of clicking the link in the message, open your browser and type the official website address yourself. This keeps you in control and away from fake pages.

3) Use a data removal service

Scammers often pull email addresses and personal details from data broker sites. These lists fuel subscription scams that look like the Netflix alert Stacey received. A trusted data removal service can pull your information off those sites and cut down on future phishing attempts.

While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice. They aren’t cheap, and neither is your privacy. These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites. It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet. By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.

Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com.

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4) Hover over links to reveal the true URL

On a computer, hovering over a link shows where it really goes. If the address looks strange, delete the message.

5) Report the scam

Forward suspicious Netflix emails to phishing@netflix.com. This helps the fraud team block similar messages.

6) Strengthen your device security

Use two-factor authentication (2FA) for your email and install strong antivirus software to catch malicious pages. The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have strong antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe.

THE FAKE REFUND SCAM: WHY SCAMMERS LOVE HOLIDAY SHOPPERS

Scammers use polished branding and urgent language to trick users into giving up login and payment details. (Gabby Jones/Bloomberg via Getty Images)

Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android & iOS devices at Cyberguy.com.

7) Consider an identity theft protection service

If you ever enter your billing info into a fake login page, attackers can use that data for much more than streaming fraud. Identity Theft companies can monitor personal information like your Social Security number (SSN), phone number and email address, and alert you if it is being sold on the dark web or being used to open an account. They can also assist you in freezing your bank and credit card accounts to prevent further unauthorized use by criminals.

See my tips and best picks on how to protect yourself from identity theft at Cyberguy.com.

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Kurt’s key takeaways

Stacey’s caution prevented him from becoming another victim of this email scam. These messages keep getting more believable, so spotting the red flags and using the steps above can save you time, money and frustration.

Have you seen a fake subscription alert recently that nearly fooled you? Let us know by writing to us at Cyberguy.com.

Kurt “CyberGuy” Knutsson is an award-winning tech journalist who has a deep love of technology, gear and gadgets that make life better with his contributions for Fox News & FOX Business beginning mornings on “FOX & Friends.” Got a tech question? Get Kurt’s free CyberGuy Newsletter, share your voice, a story idea or comment at CyberGuy.com.

Technology

Samsung ‘Wide Fold’ rumored to rival Apple’s foldable next year

Published

24 hours ago

December 22, 2025

Press Room

Samsung ‘Wide Fold’ rumored to rival Apple’s foldable next year

Apple’s long-rumored foldable iPhone is set to arrive next year, and already faces some preemptive competition from Samsung. Korea’s ET News reports that Samsung’s upcoming “Wide Fold” is also set to launch in 2026, and will closely mirror the display size and 4:3 aspect ratio of Apple’s first foldable.

The machine-translated report says the Wide Fold is expected to feature an OLED display that measures 5.4 inches in its folded position, and 7.6 inches when unfolded. “It will be a ‘passport’ type with a 4:3 screen ratio when unfolded,” according to an unnamed industry source cited by ET News.

Last week, The Information reported that Apple’s upcoming foldable will feature a 5.3-inch display that increases to 7.7 inches when open, and will have an aspect ratio “similar to that of Apple’s largest iPads when viewed in landscape mode,” and will be “more wide than tall when unfolded.” Most iPad models sport a near 4:3 aspect ratio. This was the latest rumor that pointed to Apple’s first foldable iPhone having a wide aspect ratio in portrait mode, though Bloomberg’s Mark Gurman said in September that the device would look like two iPhone Airs stuck together.

Both Samsung and Apple’s upcoming foldables are expected to launch in Fall 2026. The 4:3 aspect ratio is better for reading e-books and documents, viewing photographs, or creative tasks like design and image editing, but would result in traditional landscape and portrait videos having ugly black bars at the top and bottom of the screen. This is something that’s already noticeable on Samsung’s squarish Z Fold 7.