If TurboTax was giving you a $125 Saver's Credit, you either entered an IRA contribution (including possibly applying a prior-year excess contribution as a current-year contribution), a self-employed retirement contribution, your W-2 entry showed code D, E, F, G, H, S, AA, BB or EE in box 12 for a retirement contribution or you indicated that you made after-tax contributions to an employer plan. Without one of these, TurboTax would not be giving you this credit. So if you truly made no retirement contributions, one of the aforementioned entries is erroneous and needs correcting.
