Phantom debt, originating from clerical errors, identity theft, and fraudulent schemes, poses a significant threat to your financial health. Recognizing red flags, regularly reviewing your credit report, and understanding fraud tactics can help you stay vigilant. Disputing errors with credit bureaus and leveraging legal protections are crucial steps. Preventative measures like credit monitoring and safeguarding personal information further fortify your defenses. Stay informed and proactive to protect your financial future.

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