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No one can remove negative information from your credit report. Repair your credit and learn to recognize scams.

The Government Won’t Call to Ask for Money

We recently received a comment on Facebook from a woman who said the U.S. Federal Government Grants Department called and claimed she needed to pay more than $600 in order to receive federal benefits totaling $8,000. She paid the money, never got the $8,000 and asked us how to get a refund of her money.

The phone call was a scam. The Federal Government Grants Department doesn’t exist. More importantly, the government will never call or text you to ask for money.

Even though the woman wrote down the phone number of the caller, it can be hard to trace it back to a real person because of tricks like caller ID spoofing. This means that she probably won’t be able to get her money back.

Be suspicious of any call, text, or e-mail that claims to be from the government. Scammers often use names that sound like real government agencies but aren’t. The Federal Trade Commission (FTC), the nation’s consumer protection agency, has more tips on spotting fake callers who pretend to be the government.

You can find the official names and contact information for federal government agencies in our A-Z Index of U.S. Government Departments and Agencies. Don’t hesitate to contact the agency that claims you owe them money. Be sure to use the contact information listed in the A-Z Index and not the contact information the caller or e-mail provides.

If you do get scammed, then you should file a complaint with the FTC and your state’s consumer agency.

Some business opportunities sound too good to be true, and for a reason. Learn how to deal with common scams.

Before you apply for a patent to protect your invention, learn how to spot common scams.

How to Avoid Tax Scams on the “Dirty Dozen” List

The Internal Revenue Service (IRS) recently issued its annual “Dirty Dozen” list of tax scams, reminding taxpayers to use caution to protect themselves against a wide range of schemes ranging from identity theft to return preparer fraud.

Find out how to avoid common tax scams.