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Showing posts with the label Identity Theft Protection

IRS Audit Triggers in 2026: Small Errors That Flag Returns

IRS Audit Triggers in 2026: Small Errors That Flag Returns IRS Audit Triggers in 2026: Small Errors That Flag Returns TL;DR Summary Most “audit triggers” in 2026 are automated mismatches, not in-person audits. Small filing errors can flag returns when IRS data doesn’t match third-party reports. Careful reconciliation and quick responses to IRS notices can reduce risk. Many taxpayers worry that a minor mistake will automatically lead to an IRS audit. In reality, most issues that feel like audits begin with automated systems comparing what you reported against information sent to the IRS by employers, banks, brokers, and payment platforms. In 2026, these automated checks remain one of the most common reasons tax returns are flagged. While that can lead to additional tax and interest if left unresolved, many cases are fixable when addressed early. What Changed in 2026 and Why It Matters The biggest factor in 2026 is not a single ne...

How to Freeze Your Credit for Free in 2025 (All 3 Bureaus)

How to Freeze Your Credit for Free (Equifax, Experian, TransUnion 2025) TL;DR Summary: Free credit freezes are available in the U.S. through Equifax, Experian, and TransUnion . Freezing your credit prevents new accounts from being opened in your name—an essential identity-theft safeguard. You can freeze and unfreeze your credit online, by phone, or by mail. Placing, lifting, and permanently removing a freeze are all free under federal law . Freezes do NOT impact your credit score and do NOT block soft inquiries. What Is a Credit Freeze? A credit freeze (also called a security freeze) restricts access to your credit file. Lenders cannot pull your credit unless you lift the freeze, which stops identity thieves from opening accounts using your personal information. A freeze: Is free for all U.S. consumers. Does not affect your existing credit cards or loans. Can be temporarily lifted when applying for credit. Can be managed online at any time, 24/7. Why Fre...

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