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You get a text message, supposedly following up on a $10,000 loan application. Only, you never applied for a loan. Is this pure luck or a scam? Before you use the callback number in the message to find out, or even reply “NO” to cancel the application, learn to spot a fake loan text scam.

Identity theft can happen anytime, to anyone. In fact, last year, more than a million people reported identity theft to the FTC. So, being ready to spot identity theft — and deal with it if it happens — can make a big difference.

We’re seeing a big wave of reports about phone scams claiming you owe back taxes. But it’s not the IRS calling, it’s a scammer using a company name like “Tax Resolution Oversight Department.” If someone calls you out of the blue offering to help you fix a tax issue, hang up. Here’s how to spot the scam.

If you’re hoping your athletic talents will lead you to endorsements during college or eventually to pro sports, signing with a sports agent might be an exciting first step — but it’s also serious business. That’s why the FTC is seeking information from universities about sports agents’ compliance with the Sports Agent Responsibility and Trust Act. SPARTA requires agents to provide important information to student athletes and schools about agency contracts — and prohibits them from making false or misleading statements to student athletes or offering illegal gifts to induce student athletes to sign agency contracts.

Got a phone? Then chances are you get calls from scammers. Scammers don’t care if you’re on the National Do Not Call Registry. That’s why your best defense against unwanted calls is call blocking and call labeling. Here’s how to block and report unwanted calls on cell phones and home phones.

With the winter Olympics in Italy fast approaching, athletes around the world are fine-tuning their routines, sharpening their skates, and finalizing their travel itineraries. If you’re planning to go to the Olympics, having a sound game plan is a key to success, just as it is for the competitors. Here’s what to know about travel, ticket, and vacation rental scams before you embark on your journey.

If there’s information on your credit report that’s correct but not so great, it can make it harder to get credit with good terms. But there are things you can do yourself for free to help fix your credit. Credit repair companies also charge to do the same things. Before you consider paying, though, know the rules these companies have to follow — rules dishonest companies and scammers often break.

Looking for some life hacks or advice about managing money? There’s no shortage of online influencers ready to help. But not all advice is good advice (or truthful). And in some cases, what they’re telling you might be more than a bad idea — it might be illegal.