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How to safeguard your credit score in retirement as fraud and identity theft rise among seniors

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How to safeguard your credit score in retirement as fraud and identity theft rise among seniors

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You’ve worked hard, saved smart, and now it’s time to enjoy your retirement years. But here’s the catch: your credit score still matters, even when you’re no longer applying for mortgages, car loans or new credit cards. Why? Scammers know many seniors don’t monitor their credit very often, and that makes retirees prime targets for identity theft. Due largely to increased scam attempts, financial losses for seniors reached $4.9 billion in 2024. And anyone can become a target. The good news is there are simple, powerful steps you can take right now to lock down your credit score and make sure your hard-earned nest egg is safe.

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HOW SCAMMERS TARGET YOU EVEN WITHOUT SOCIAL MEDIA

Why your credit score matters in retirement

A lot of people assume that once they stop working, their credit score doesn’t matter anymore. After all, you’re not buying a new house or car, right? Not so fast. Your credit score can still affect:

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  • Insurance premiums. Some insurers factor your credit into your rates.
  • Retirement community applications. Senior housing and assisted living facilities often run credit checks.
  • Loan approvals. You may still need financing for medical bills, home repairs or emergencies.
  • Identity theft risk. A clean, unused credit file is like a blank check to a scammer.

The hands of Karin Seelmann, a 70-year-old participant of a computer course for seniors, handle the keyboard of a laptop in Hanover, Germany, Feb. 21, 2017. (Peter Steffen/picture alliance)

Keeping your credit score safe is about protecting both your financial reputation and your retirement savings.

REMOVE YOUR DATA TO PROTECT YOUR RETIREMENT FROM SCAMMERS

Step 1: Monitor your credit regularly

Even if you’re not applying for credit, you should know what’s in your file. Seniors are often the last to find out when a scammer has taken out a loan or opened a card in their name. The three big credit bureaus, Equifax, Experian and TransUnion, are required to give you a free report once a year. Here’s the trick: thanks to recent changes, you can now get a free weekly credit report at AnnualCreditReport.com. Set a calendar reminder to check your reports once a month. Look for accounts you don’t recognize, suspicious credit inquiries or sudden drops in your score.

HOW SCAMMERS EXPLOIT YOUR DATA FOR ‘PRE-APPROVED’ RETIREMENT SCAMS

A man looking into his retirement matters. (Kurt “CyberGuy” Knutsson)

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Step 2: Place a fraud alert

If you suspect you’ve been targeted, a fraud alert makes it harder for identity thieves to open new accounts in your name. It tells creditors they need to take extra steps to verify your identity before approving anything.

  • A fraud alert is free.
  • It lasts for one year (you can renew it).
  • You only need to contact one bureau. They’ll notify the others.

This is a great first line of defense if you’ve received scam calls, phishing emails or notice odd activity in your accounts. 

A woman looking up her credit score on a laptop. (Kurt “CyberGuy” Knutsson)

Step 3: Freeze your credit (the gold standard)

A credit freeze is the single most powerful tool retirees have to protect their credit score. Also, it’s completely free. Here’s why you should do it today:

  • It blocks anyone from opening new credit in your name.
  • It doesn’t affect your current accounts, score or benefits.
  • You can unfreeze it anytime if you need new credit.

Since most retirees don’t apply for new loans often, a credit freeze is a “set it and forget it” safeguard. Think of it as putting your credit file in a vault.

How to do it:

  • Contact Equifax, Experian and TransUnion individually (you’ll need to freeze your credit with each one).
  • Provide proof of identity (usually SSN, date of birth and address).
  • Keep the PIN or password they give you; you’ll need it if you ever want to lift the freeze.

HOW TO HAND OFF DATA PRIVACY RESPONSIBILITIES FOR OLDER ADULTS TO A TRUSTED LOVED ONE

A woman looking into her retirement matters on her laptop. (Kurt “CyberGuy” Knutsson)

Step 4: Lock down your personal data online

Here’s something many seniors don’t realize: even if your credit is frozen, scammers can still target you through other leaks of personal information.

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Data brokers publish your name, address history, phone numbers, relatives and even property records online. Scammers use this information to:

  • Impersonate family members in “grandparent scams.”
  • Craft convincing phishing messages.
  • Trick banks or creditors with stolen details.

That’s why removing your personal information from these sites is just as important as freezing your credit. Doing it manually means tracking down dozens (sometimes hundreds) of data broker websites and sending formal removal requests and repeating the process every few months as your info pops back up.

Data removal services can handle this automatically, requesting removals from dozens of data brokers at a time and monitoring for re-uploads. It’s one of the simplest ways to cut off scammers at the source and keep your retirement profile off the web.

While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice. They aren’t cheap, and neither is your privacy. These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites. It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet. By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.

Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com.

Get a free scan to find out if your personal information is already out on the web: Cyberguy.com.

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5 STEPS TO PROTECT YOUR FINANCES FROM FAMILY SCAMS

Step 5: Watch for warning signs of identity theft

Even with strong protections in place, it pays to stay alert. Here are a few red flags to watch for:

  • Bills or medical statements for services you never used
  • Collection calls about debts that aren’t yours
  • New credit cards or loans arriving in your mail
  • Denials for credit or insurance you didn’t apply for
  • A sudden, unexplained drop in your credit score.

If you see any of these, act fast: file a report at IdentityTheft.gov, contact your bank or creditors and double-check that your credit freeze is active.

Kurt’s key takeaways

Retirement should be about peace of mind; you’ve earned your retirement. Protecting your credit score may not be the most exciting task on your to-do list, but it’s one of the smartest. By monitoring your credit, freezing your file, removing your data from broker sites and staying alert for red flags, you can keep scammers out of your finances and focus on enjoying the retirement you deserve. Want to take one major worry off your list? Start by having your personal information automatically pulled from the internet. It’s an easy way to reduce your digital footprint and keep your credit and your retirement fund safe.

Should more be done to protect retirees from identity theft and financial scams? Let us know by writing to us at Cyberguy.com.

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Technology

Amazfit’s Active 2 tracker and Blu-rays are this week’s best deals

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Amazfit’s Active 2 tracker and Blu-rays are this week’s best deals

The start of the year is typically a great time to snag deals on health and fitness gear, including trackers and wireless earbuds, and this week was no exception. We found plenty on sale and highlighted the best picks below. Not all of the deals are related to New Year’s resolutions, though; there are also a number of other worthwhile deals worth checking out. Despite the Consumer Electronics Show wrapping up earlier this week, we’re already seeing deals roll in, for example. And if your main goal is to unwind this weekend, we’ve spotted solid deals on Blu-rays to help you relax. Below, you’ll find all of our favorite deals from this week.

Of fitness trackers on sale right now, the deal on the Amazfit Active 2 is ideal, especially if you’re on a budget. It’s currently on sale for just $84.99 ($15 off) at Amazon, Best Buy, and Target, which is just $5 shy of its lowest price to date.

​​We think the Active 2 is one of the best fitness tracker you can currently buy, namely because it offers a feature set you don’t typically don’t find at this price point. It covers most of the health and fitness features people need and then some, with continuous heart rate and blood oxygen tracking, in addition to menstrual cycle tracking. You also get offline maps with turn-by-turn navigation and up to nine days of battery life — far longer than most smartwatches. It looks stylish, too, thanks to its stainless steel case and 2,000-nit OLED display that makes it seem more expensive than it is.

What makes the latest Nano Charger stand out from previous models its built-in display, which shows real-time charging details like power flow, charge level, and temperature at a glance. If you have an iPhone 15 or newer — or an iPad Pro released in 2020 or later — it can also adjust charging based on the device’s power needs. What’s more, it delivers up to 45W of power in a compact design with folding prongs that rotate 180 degrees, allowing you to squeeze it into smaller spaces.

Three more of this week’s best deals

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CES 2026 showstoppers: 10 gadgets you have to see

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CES 2026 showstoppers: 10 gadgets you have to see

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Every January, the Consumer Electronics Show, better known as CES, takes over Las Vegas. It’s where tech companies show off what they’re building next, from products that are almost ready to buy to ideas that feel pulled from the future.

CES 2026 was packed with moments that made people stop and stare. Some of the tech felt practical. Some of it felt a bit wild. However, these 10 showstoppers were the ones everyone kept talking about on the show floor.

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1) LG Wallpaper TV

LG pushed TV design to the edge of invisibility once again at CES 2026. The latest Wallpaper TV, officially called the LG OLED evo W6, is just 9mm thin and sits completely flush against the wall. From the side, it looks more like glass than a television.

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This version feels far more practical than earlier Wallpaper models. All inputs live in a separate Zero Connect Box, which wirelessly sends visually lossless 4K video and audio to the screen from up to 30 feet away. That keeps cables out of sight and gives you more freedom when placing the TV.

THIS EV HAS A FACE, AND IT TALKS BACK WITH AI

The LG CLOiD robot and the LG OLED evo AI Wallpaper TV are displayed onstage during an LG Electronics news conference at CES 2026, an annual consumer electronics trade show, in Las Vegas, Jan. 5, 2026. (REUTERS/Steve Marcus)

Picture quality also takes a major step forward. LG’s new Hyper Radiant Color Technology boosts brightness, improves color accuracy and deepens blacks while cutting screen reflections. With Brightness Booster Ultra, the Wallpaper TV reaches up to 3.9 times the brightness of conventional OLEDs and stays easy to watch even in bright rooms.

Powering it all is LG’s new Alpha 11 AI Processor Gen3. Its upgraded Dual AI Engine preserves natural detail while reducing noise, avoiding the overly sharp look that plagues some high-end TVs. Gamers also get plenty to like, including 4K at up to 165Hz, ultra-fast response times and support for NVIDIA G-SYNC and AMD FreeSync Premium.

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Availability: Expected later in 2026 through select retailers.

2) Dreame Cyber X Stair-Climbing Robot Vacuum

Dreame showed plenty of power at CES 2026, but the real jaw-dropper was the Cyber X concept. This robot vacuum uses a four-legged base that lets it climb stairs on its own, turning multi-level cleaning into something that finally feels automated.

The design looks unusual at first, almost like a robot pet. Once it starts moving, though, the idea clicks. A built-in water tank reduces trips back to the dock, which should help extend cleaning sessions and preserve battery life.

Dreame’s Cyber X concept uses a four-legged design to climb stairs on its own, hinting at a new era of autonomous home robots. (Dreame)

It’s still a concept, but Cyber X feels like a glimpse at where home robots are headed. Less rolling around. More real autonomy.

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Availability: Concept product.

3) SwitchBot AI MindClip

SwitchBot joined the growing AI wearable trend with the MindClip, a tiny device designed to act like a second brain. It clips on easily, weighs just 18 grams and stays out of the way while quietly doing its job.

MindClip can record conversations and meetings, summarize calls and create AI-powered notes. It also supports more than 100 languages, making it useful for work, travel or multilingual households. Like similar devices, it lets you listen back to recordings and read transcriptions later.

Where MindClip aims to stand out is in memory. SwitchBot says users will be able to search past recordings and track down important details it captured earlier, turning everyday conversations into a searchable archive. That could be especially helpful for busy professionals and students who juggle calls, classes and meetings.

The tiny MindClip clips on discreetly while recording, transcribing and organizing conversations using AI. (SwitchBot)

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Details are still limited, and no pricing has been announced. SwitchBot has hinted that many key features will require a subscription, which puts it in line with competing AI wearables.

Availability: Not yet available. Pricing and preorder details have not been released.

4) LG CLOiD Home Robot

LG didn’t just show off a concept robot at CES. It showed a glimpse of what a true AI-powered home might look like.

At LG Electronics’ booth at CES 2026, the company unveiled LG CLOiD, a home robot designed to handle real household chores as part of its “Zero Labor Home” vision. This isn’t just a rolling assistant. CLOiD can fold laundry, help in the kitchen and move safely around furniture.

The robot uses a stable, wheeled base inspired by robot vacuums, paired with a tilting torso and two articulated arms. Each arm has human-like movement and individual fingers, allowing CLOiD to grip, lift and place objects with surprising precision. In demos, it retrieved items from the fridge, loaded an oven and folded clothes after a laundry cycle.

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CLOiD’s head acts as a mobile AI home hub, using cameras, sensors and voice-based AI to understand routines and control LG’s ThinQ-connected appliances. It still feels futuristic and a little unsettling, but the technology behind it is hard to ignore. If LG can make it practical and affordable, CLOiD could mark a real step toward AI doing the housework for us.

Availability: Concept and research-stage technology. Not planned for consumer sale at this time.

5) Glyde Smart Hair Clippers

Glyde is trying to solve one of the most frustrating parts of grooming: cutting your own hair without messing it up.

The company introduced AI-powered smart hair clippers designed to guide the cut for you. You wear a simple headband that marks where a fade should start, choose a style in the app and let the clippers do the rest. Built-in sensors track your speed, angle and movement in real time, automatically adjusting the blade to keep cuts even and fades smooth.

This is very much a trust exercise. You’re letting software guide sharp blades near your head, and that won’t be for everyone. But for people who skip the barber, hate appointments or just want a quick cleanup at home, the idea makes sense.

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Glyde’s system is built to be “mistake-proof.” Move too fast, and the blade retracts. Tilt it the wrong way, and it trims less. Popular styles like buzz cuts, crew cuts and side parts are baked into the app, with step-by-step guidance that adapts as you cut.

It’s a one-time investment meant to replace repeat barber visits. If it works as promised, Glyde could turn haircuts into a 10-minute task you do on your own schedule.

Availability: Limited early access or direct sales may come later in 2026.

6) LEGO Smart Bricks

LEGO is adding a digital twist to its classic bricks, and surprisingly, it works. At CES, LEGO introduced LEGO Smart Play, a new line built around “Smart Bricks” that look like regular LEGO pieces but hide sensors, LEDs and speakers inside. The bricks can detect movement, distance and interaction, lighting up, changing color and producing sound effects in real time as kids play.

The launch leans heavily into Star Wars, including sets with Luke Skywalker, Darth Vader, an X-Wing and a TIE fighter. In one demo, a Luke minifigure produced its own lightsaber sounds. In another, bricks made swooshing and crashing noises when attached to vehicles, while figures reacted when they were “hit.” It felt playful, immersive and instantly understandable.

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A LEGO piece with a smart brick attached is displayed during a LEGO news conference ahead of the CES tech show Monday, Jan. 5, 2026, in Las Vegas. (AP Photo/Abbie Parr)

Smart Tags snap into the bricks to control different behaviors, and a quick shake wakes everything up. Pricing starts around $70 and climbs to about $160, with Star Wars sets arriving in March. LEGO hasn’t shared details on battery life yet, but the goal is clear: add interactivity without pushing kids toward screens.

This feels like LEGO doing tech the right way. You still build with your hands, imagine the story and snap bricks together. The technology simply brings the play to life.

Availability: Launching March 2026. Expected to be sold through LEGO and major retailers.

7) Autoliv Foldable Steering Wheel

This might look like a small change, but it could completely reshape future car interiors.

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Autoliv unveiled the world’s first foldable steering wheel designed for Level 4 autonomous vehicles. When the car switches into self-driving mode, the steering wheel retracts smoothly into the dashboard, opening up the cabin and giving occupants more space to relax, work or just stretch out.

What makes this impressive is that safety isn’t sacrificed. Autoliv built an adaptive airbag system that changes with the driving mode. When you’re driving manually, the airbag lives in the steering wheel as usual. Once the wheel folds away in autonomous mode, a separate airbag in the instrument panel takes over, keeping protection intact at all times.

It’s a smart, practical solution to a problem automakers are already facing. If cars don’t always need a steering wheel, why should it always be in the way? Autoliv’s design shows how autonomy isn’t just about software, it’s about rethinking the entire cabin experience.

Availability: Automotive supplier technology for future vehicles. 

8) TDM Neo Hybrid Headphones

These might be the most interesting headphones at CES for one simple reason: they refuse to stay just headphones.

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Tomorrow Doesn’t Matter, better known as TDM, unveiled Neo, a premium on-ear 2-in-1 hybrid headphone that physically twists into a compact Bluetooth speaker. No docking. No accessories. Just a quick rotation, and your personal audio turns into shared sound. Amazing, right?

The concept might sound a bit gimmicky, but the execution feels solid. The hinge mechanism is sturdy, the transformation is intuitive, and the idea makes a lot of sense in real life. You can listen privately on a train, then flip Neo into speaker mode the moment you meet up with friends.

TDM describes this as going from “solo to social,” and that’s exactly the appeal. It blurs the line between headphones and portable speakers in a way we haven’t really seen before. For travelers, outdoor users, or anyone who hates carrying multiple audio devices, Neo could be a genuinely very useful hybrid device.

Availability: TDM will be launching Neo on Kickstarter later this month and will begin shipping in July.

9) Jackery Solar Mars Bot

Jackery made waves at CES with the Solar Mars Bot, a mobile solar generator that can move, track sunlight and recharge itself without constant setup.

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The Solar Mars Bot uses AI-enhanced computer vision to navigate on its own, follow its user and reposition throughout the day to capture the strongest available sunlight. Instead of manually adjusting panels or relocating gear, the system handles those decisions automatically. When not in use, its solar panels fold and retract, which helps make storage and transport more practical.

What sets this system apart is how it blends mobility with energy storage. Unlike fixed solar installations that stay in one place or portable generators that must be carried and recharged by hand, the Solar Mars Bot actively manages its own power intake. It tracks the sun, recharges itself using solar energy and delivers power where it is needed.

That makes it especially useful for extended power outages, off-grid living, emergency backup and outdoor adventures where access to electricity can change throughout the day. The Solar Mars Bot shows how portable power can become more intelligent, adaptable and hands-off when conditions are unpredictable.

Availability: Prototype showcased at CES.  

10) Timeli Personal Safety Device

Timeli grabbed a lot of attention at CES 2026 with a simple, immediate approach to personal safety. By combining a flashlight, HD video recording, a loud alarm, GPS tracking and live emergency dispatch into one handheld device, it earned a CES 2026 Innovation Awards Honoree and plenty of interest on the show floor.

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Instead of opening an app or tapping through menus, Timeli relies on muscle memory. A quick press turns on a powerful flashlight and starts recording video. If a situation escalates, pressing and holding the SOS button triggers a full safety sequence. The alarm sounds, live video begins streaming, GPS coordinates lock in and two-way communication connects directly to emergency dispatch over cellular service.

That live connection matters. Timeli works with RapidSOS to give dispatchers real-time video and location data. This added clarity helps responders understand what is happening faster and send the right help sooner. Studies show video verified emergencies can cut response times dramatically, while also reducing false alarms.

Timeli works even without a phone. Built-in cellular, GPS, Wi-Fi and Bluetooth allow it to operate on its own or alongside the companion app for iOS and Android. Users can adjust video quality, light brightness and alarm volume to match their needs. Cloud video storage and alerts add another layer of reassurance.

WORLD’S THINNEST AI GLASSES FEATURE BUILT-IN AI ASSISTANT

The design stays practical. Timeli is about the size and weight of a smartphone, so it fits easily in a pocket, purse or backpack. Battery life supports long standby time, extended daily use and several hours of active protection. It even doubles as a power bank, while reserving enough charge to stay ready for emergencies.

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Availability: Priced at $249 for preorder through timeli.com. Timeli includes a year of professional monitoring before transitioning to a monthly subscription.

Honorable mentions: CES 2026 products worth checking out 

These products also stood out on the CES 2026 show floor, highlighting smart design choices and meaningful innovation that point to the future of consumer tech.

ASUS Zenbook Duo (2026)

 ASUS reimagined portable productivity with the 2026 Zenbook Duo. This laptop snaps two 14-inch 3K ASUS Lumina OLED touchscreens together into a single mobile workstation you can carry with one hand.

The dual-screen setup lets you keep a main project open on one display while chats, calls or reference material live on the other. That alone cuts down on constant app switching. The OLED panels deliver rich color, deep blacks, smooth motion and built-in eye care that makes long sessions easier on your eyes.

ASUS also upgraded what you hear. A new six-speaker system replaces the previous two-speaker design, creating fuller, more immersive audio for movies, music, and calls. Everything is wrapped in a Ceraluminum ceramic finish that resists fingerprints and scratches while feeling premium in hand.

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Availability: Expected early 2026. Pricing has not been announced.

SpotOn GPS Fence Nova Edition

SpotOn focused on precision and reliability with the launch of the SpotOn GPS Fence Nova Edition. This is a GPS dog fence system designed to create virtual fences anywhere, from small yards to massive rural properties, with no subscription required.

What sets Nova apart is its advanced antenna and receiver system. SpotOn uses a dual-band, dual-feed active antenna paired with a dual-band receiver that reduces GPS drift by up to 40% and delivers accuracy up to eight times better than competing systems. In third-party testing, it achieved 100% reliable containment.

Owners can create unlimited fences by walking boundaries, drawing them in the app, or placing GPS fenceposts automatically. The collar also includes intelligent audio cues, optional static correction, custom voice commands, LED prompts and sizing that grows with your dog. If a dog ever leaves the fence, tracking tools are available through the app or SpotOn support.

Availability: Available in the US and Canada for $999. 

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Lenovo Legion Go Powered by SteamOS

Lenovo took handheld gaming seriously with the Legion Go powered by SteamOS. This is the most powerful Legion handheld to ship natively with SteamOS, blending desktop-class performance with console-like simplicity.

It features an 8.8-inch PureSight OLED display and can be configured with up to an AMD Ryzen Z2 Extreme processor, up to 32GB of LPDDR5X memory, and up to 2TB of PCIe SSD storage with expansion via microSD. SteamOS is tuned for gamepad controls and quick access, with features like fast suspend and resume, cloud saves, Steam Chat and built-in game recording.

The result feels less like a mini PC and more like a true console you can carry. You get instant access to your Steam library without juggling operating systems or launchers.

Availability: On sale June 2026. Starting price is $1,199.

SanDisk Optimus GX 7100M NVMe SSD

SanDisk introduced a new internal drive brand at CES, and the Optimus GX 7100M is its first standout. Built for handheld gaming consoles and thin and light laptops, this PCIe 4.0 NVMe SSD delivers speeds up to 7,250 MB per second.

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The drive is available in capacities up to 2TB, giving gamers faster load times, more room for large libraries and smoother performance on the go. It is designed for devices that support an M.2 2230 slot, including popular handheld consoles and compact laptops.

This launch also marks the debut of the SanDisk Optimus name, which will replace the company’s internal SSD lineup for gamers, creators and professionals moving forward.

Availability: Expected early spring 2026. Pricing will be announced closer to release.

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Kurt’s key takeaways

CES 2026 made one thing clear. Tech companies are taking bigger swings than ever. Some of these products feel close to becoming part of everyday life. Others may stay experimental for years. That’s what makes CES so fascinating. It gives us an early look at where technology could be headed and sparks conversations about what we actually want in our homes, cars and daily routines.

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Which CES 2026 showstopper impressed you the most? Why? Let us know by writing to us at Cyberguy.com.

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Betterment’s financial app sends customers a $10,000 crypto scam message

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Betterment’s financial app sends customers a ,000 crypto scam message

We’ll triple your crypto! (Limited Time)

Bryan: Betterment is giving back!

We’re celebrating our best-performing year yet by tripling Bitcoin and Ethereum deposits for the next three hours.

For example, if you send $10,000 in Bitcoin or Ethereum, we’ll send you right back $30,000 to your sending Bitcoin or Ethereum address.

Send deposits to these addresses:

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