Prolly gave a lot of money to charity or something.
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There is a lot of nefarious stuff one could do if one had someone’s tax return.
muwahahaha...
I know but isn't this conversation regarding Geotus, and politicians? If they wanted my tax returns I couldn't afford a lawyer to fight it, and I'm a single filer with no dependents and no deductions other than the standard. I have no hidden stashes of money unless you count my crownapple bag of change which has around 60 dollars in it right now. If they get my ss? Identity theft would be useless because I paid off all my debts, but somehow I have a zero vantage credit rating on transunion, and according to experian my fico scores don't have enough data. I can't even get a secured credit card at the moment until I figure out how to fix this fiasco. I got penalized for paying off collections bills completely instead of making monthly payments.
I discovered a long time ago that your credit rating goes down the toilet if you do 't have any debt.
So I pay all my bills by credit card and pay it off in full every month. I've had a credit card for 20 years and they haven't earned a pe ny in interest charges from me, but it does continually push up my credit rating to the max in case I ever need it.
I am not a financial advisor, and I do not know what your financial objectives are, but from what you wrote, you are doing something wrong. If you have no debt, and assuming you have a job, you should have a decent credit rating. If you have a lot of late payments, then you are going to have to wait the seven years it will take for all of those to "age out". But in the interim you can sign up (free) for NerdWallet and see what they might offer in terms of advice in improving your credit rating, and also you can start writing letters to entities who dinged your credit asking/demanding them to prove their issue or take their ding off your credit rating. Most of them will just remove the ding and avoid the fight.
Best of luck, pede. You can do it.
I don't like Dave Ramsey, much. But I find his approach for digging your way out if you fucked up financially, in America, to be pretty solid. Please check him out.