December 2025

If you’re taking stock of your finances, setting goals, and preparing for a fresh start in 2026, make protecting yourself against identity theft part of your 2026 planning. Why? Identity thieves can drain your bank account, ruin your credit, and even block access to your health benefits and tax refund. On the bright side, there are ways to protect yourself. Identity Theft Awareness Week (IDTAW) is a great opportunity to learn more about getting started.

Need better credit to do things like get a loan, buy a car, or rent an apartment? There are things you can do, but don’t believe a credit repair company that promises to remove accurate and up-to-date information.

The Department of Veterans Affairs (VA) hosts free events like the National Veterans Golden Age Games to encourage older adults in the veteran community to get active for better health and wellness. But veterans are reporting finding websites or pages on social media that charge a fee to register for the games. These are fakes. Whether you’re looking to compete or just want to watch the games, here’s how to cross the finish line without running into a scam.

You’ve probably seen ads online, on TV, or on social media for subscription offers. They could be for anything from gifts and groceries to snacks and magazines. Some say you can try the subscription for free — but it might not be true. Some will auto-renew if you don’t cancel first, which might come as a surprise. Sometimes you’re signed up for a subscription without even knowing it. Problems with subscriptions or membership fees can happen when a business doesn’t clearly explain that it will keep billing you unless you do something. And that’s what the FTC alleges happened with Maplebear Inc., doing business as Instacart. According to the FTC, Instacart violated the law when, among other things, it charged people annual membership fees for its subscription service after they’d completed free trials — without getting their consent.

If you’re looking to get insurance from the Health Insurance Marketplace, you have until January 15th to sign up. But dishonest companies sometimes advertise comprehensive health insurance when it’s really a medical discount plan or a health plan with limited insurance benefits. And, sometimes, an insurance “offer” is just a scam. As you compare your options, here are some things to consider:

People in the military are known for looking out for one another. That’s why scammers set up camp outside military banks pretending to need help — just to get through the holidays. But take a tactical pause. This might be a scammer looking to use your phone to drain your bank accounts. Learn to spot and avoid this scam.

All year round, scammers pose as government agencies like the Federal Trade Commission (FTC) to try to steal your money. Scammers sometimes make unexpected calls pretending to be FTC employees like Chief Privacy Officer John Krebs — but it’s not actually him. Here’s how the scam works so you can spot and avoid it.

You never know where your big Hollywood break will come from. But it probably won’t start with an unexpected text message about a virtual casting call. That’s likely a scam. Learn the cues to avoid this type of phishing scam.

Whether you’re hiring a contractor, looking for an apartment, or shopping online, chances are you check out online reviews first. Many people use reviews to see the honest opinions of other buyers — and companies rely on reviews to stand out from the crowd. But some companies write, post, or pay for fake reviews — and that hurts people and honest companies.

A work-from-home job promising easy money and a fancy title like “delivery operations specialist” or “quality control manager” might sound great. But if the offer says all you need to do is receive shipments, repackage them, and send them on to a new address, it’s a reshipping scam. Here’s what the “employer” leaves out of the job description.