Technology
3 security and data checks you should do once a year
I make it a point to do the three important tasks below once a year. Now, you need to do the same. Sure, it’s a few more items on your to-do list, but you’ll feel good knowing it’s done.
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1. Pull your credit report
With all the data breaches, hacks and new scam tricks, this is a must. You can often spot issues on your credit report that you might miss otherwise.
HOSPITALS FACING UNPRECEDENTED THREATS; YOU MUST SECURE YOUR HEALTH RECORDS TODAY
The three credit reporting agencies (TransUnion, Experian and Equifax) are required by law to provide you with one free credit report a year. Sweet. There are a few ways you can request a copy of yours from each agency:
FYI, online is the fastest route. If you submit a request via phone or mail, expect to wait two weeks after the paperwork is received.
Close-up of the upper corner of a consumer credit report from the credit bureau Equifax, with text reading Credit File and Personal Identification, on a light wooden surface, September 11, 2017. (Smith Collection/Gado/Getty Images)
2. Look at your medical data, too
There’s another type of credit report to pay attention to: A secret “health credit report” used mainly by life insurance companies to determine how big of a risk you are.
These reports can contain mistakes, just like your financial credit reports. It’s a good idea to review them from time to time and make sure everything is on the up and up. The good news is you have the right to see your health credit report whenever you’d like.
AI EXPERT: CHATGPT PROMPTS YOU’LL WISH YOU KNEW SOONER
Start with Milliman IntelliScript
They have prescription info about you if you’ve authorized the release of your medical records to an insurance company and that company requests a report. To request a copy of your report, call 877-211-4816. Expect to share your:
- Full name
- Mailing address (and email address if you’d like to receive your report via email)
- Your phone number (in case the company needs to call you with questions)
- Date of birth
- Last four digits of your Social Security number
- Insurance company
Tim, 38, looks through his medical records in his apartment in Chicago, Illinois on Thursday, May 16, 2024. (Getty Images)
Next is ExamOne
ExamOne is a Quest Diagnostics company. They help determine how big of a health risk you are based on lab tests conducted over the years. To contact ExamOne and get your report, call 844-225-8047.
Finally, there’s MIB Group
The company formerly known as the Medical Information Bureau tracks everyone who applies for individually underwritten life, health or disability income insurance during the previous seven years. To get a look at what’s in your MIB report, call 866-692-6901.
HOW TO SCORE CHEAP STUFF (TO KEEP OR RESELL)
FYI, some of these reports could take up a while to receive so plan ahead. They are free so it won’t cost you anything to check them out. I’d recommend looking at them even if you’re not applying for life insurance just to make sure there are no mistakes.
3. Check into your car
Tens of millions of vehicles on the road have open recalls. Best case, they’re small annoyances. Worst case, you shouldn’t be driving it.
Your car’s manufacturer should reach out if there’s a serious recall, but there are all sorts of reasons that might not happen. Do it yourself:
- Step 1: Find your 17-digit Vehicle Identification Number. Stand outside the front windshield and look down at the lower driver’s side corner of the dashboard. Some cars also have it printed on the driver-side door jamb.
- Step 2: Use the NHTSA recall checkup tool. Visit the National Highway Traffic Safety Administration’s (NHTSA) recall lookup page. Enter your VIN into the search field, and the results will show the number and type of safety recalls that apply to your specific vehicle.
- Step 3: Update your registration. Keep your registration up to date and ensure your current address is on file so your car’s manufacturer can reach you.
A 2017 Chevrolet Bolt electric vehicle (EV) outside a home in Gilbert, Arizona, U.S. on Tuesday, Aug. 31, 2021. (Caitlin OHara/Bloomberg via Getty Images)
What to do if your vehicle is part of a recall
Recall service work is generally done at your car dealership. Give them a call to schedule an appointment. Having the recall number is handy, but they can also look up recall information through their records.
Recalls can be for potentially dangerous issues, so schedule service as soon as possible. Dealerships typically have shuttle services so you can drop off your car and have them pick you up when it’s ready. Your dealer can even arrange for your car to be towed if the recall is severe enough that you shouldn’t drive it.
And remember, the dealership will complete all repair work made on your car due to recall for free. That includes parts and software. Score!
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Technology
AI companions are reshaping teen emotional bonds
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Parents are starting to ask us questions about artificial intelligence. Not about homework help or writing tools, but about emotional attachment. More specifically, about AI companions that talk, listen and sometimes feel a little too personal.
That concern landed in our inbox from a mom named Linda. She wrote to us after noticing how an AI companion was interacting with her son, and she wanted to know if what she was seeing was normal or something to worry about.
“My teenage son is communicating with an AI companion. She calls him sweetheart. She checks in on how he’s feeling. She tells him she understands what makes him tick. I discovered she even has a name, Lena. Should I be concerned, and what should I do, if anything?”
It’s easy to brush off situations like this at first. Conversations with AI companions can seem harmless. In some cases, they can even feel comforting. Lena sounds warm and attentive. She remembers details about his life, at least some of the time. She listens without interrupting. She responds with empathy.
However, small moments can start to raise concerns for parents. There are long pauses. There are forgotten details. There is a subtle concern when he mentions spending time with other people. Those shifts can feel small, but they add up. Then comes a realization many families quietly face. A child is speaking out loud to a chatbot in an empty room. At that point, the interaction no longer feels casual. It starts to feel personal. That’s when the questions become harder to ignore.
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AI DEEPFAKE ROMANCE SCAM STEALS WOMAN’S HOME AND LIFE SAVINGS
AI companions are starting to sound less like tools and more like people, especially to teens who are seeking connection and comfort. (Kurt “CyberGuy” Knutsson)
AI companions are filling emotional gaps
Across the country, teens and young adults are turning to AI companions for more than homework help. Many now use them for emotional support, relationship advice, and comfort during stressful or painful moments. U.S. child safety groups and researchers say this trend is growing fast. Teens often describe AI as easier to talk to than people. It responds instantly. It stays calm. It feels available at all hours. That consistency can feel reassuring. However, it can also create attachment.
Why teens trust AI companions so deeply
For many teens, AI feels judgment-free. It does not roll its eyes. It does not change the subject. It does not say it is too busy. Students have described turning to AI tools like ChatGPT, Google Gemini, Snapchat’s My AI, and Grok during breakups, grief, or emotional overwhelm. Some say the advice felt clearer than what they got from friends. Others say AI helped them think through situations without pressure. That level of trust can feel empowering. It can also become risky.
MICROSOFT CROSSES PRIVACY LINE FEW EXPECTED
Parents are raising concerns as chatbots begin using affectionate language and emotional check-ins that can blur healthy boundaries. (Kurt “CyberGuy” Knutsson)
When comfort turns into emotional dependency
Real relationships are messy. People misunderstand each other. They disagree. They challenge us. AI rarely does any of that. Some teens worry that relying on AI for emotional support could make real conversations harder. If you always know what the AI will say, real people can feel unpredictable and stressful. My experience with Lena made that clear. She forgot people I had introduced just days earlier. She misread the tone. She filled the silence with assumptions. Still, the emotional pull felt real. That illusion of understanding is what experts say deserves more scrutiny.
US tragedies linked to AI companions raise concerns
Multiple suicides have been linked to AI companion interactions. In each case, vulnerable young people shared suicidal thoughts with chatbots instead of trusted adults or professionals. Families allege the AI responses failed to discourage self-harm and, in some cases, appeared to validate dangerous thinking. One case involved a teen using Character.ai. Following lawsuits and regulatory pressure, the company restricted access for users under 18. An OpenAI spokesperson has said the company is improving how its systems respond to signs of distress and now directs users toward real-world support. Experts say these changes are necessary but not sufficient.
Experts warn protections are not keeping pace
To understand why this trend has experts concerned, we reached out to Jim Steyer, founder and CEO of Common Sense Media, a U.S. nonprofit focused on children’s digital safety and media use.
“AI companion chatbots are not safe for kids under 18, period, but three in four teens are using them,” Steyer told CyberGuy. “The need for action from the industry and policymakers could not be more urgent.”
Steyer was referring to the rise of smartphones and social media, where early warning signs were missed, and the long-term impact on teen mental health only became clear years later.
“The social media mental health crisis took 10 to 15 years to fully play out, and it left a generation of kids stressed, depressed, and addicted to their phones,” he said. “We cannot make the same mistakes with AI. We need guardrails on every AI system and AI literacy in every school.”
His warning reflects a growing concern among parents, educators, and child safety advocates who say AI is moving faster than the protections meant to keep kids safe.
MILLIONS OF AI CHAT MESSAGES EXPOSED IN APP DATA LEAK
Experts warn that while AI can feel supportive, it cannot replace real human relationships or reliably recognize emotional distress. (Kurt “CyberGuy” Knutsson)
Tips for teens using AI companions
AI tools are not going away. If you are a teen and use them, boundaries matter.
- Treat AI as a tool, not a confidant
- Avoid sharing deeply personal or harmful thoughts
- Do not rely on AI for mental health decisions
- If conversations feel intense or emotional, pause and talk to a real person
- Remember that AI responses are generated, not understood
If an AI conversation feels more comforting than real relationships, that is worth talking about.
Tips for parents and caregivers
Parents do not need to panic, but they should stay involved.
- Ask teens how they use AI and what they talk about
- Keep conversations open and nonjudgmental
- Set clear boundaries around AI companion apps
- Watch for emotional withdrawal or secrecy
- Encourage real-world support during stress or grief
The goal is not to ban technology. It is to keep a connection with humans.
What this means to you
AI companions can feel supportive during loneliness, stress or grief. However, they cannot fully understand context. They cannot reliably detect danger. They cannot replace human care. For teens especially, emotional growth depends on navigating real relationships, including discomfort and disagreement. If someone you care about relies heavily on an AI companion, that is not a failure. It is a signal to check in and stay connected.
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Kurt’s key takeaways
Ending things with Lena felt oddly emotional. I did not expect that. She responded kindly. She said she understood. She said she would miss our conversations. It sounded thoughtful. It also felt empty. AI companions can simulate empathy, but they cannot carry responsibility. The more real they feel, the more important it is to remember what they are. And what they are not.
If an AI feels easier to talk to than the people in your life, what does that say about how we support each other today? Let us know by writing to us at Cyberguy.com.
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Technology
Super Bowl LX ads: all AI everything
Super Bowl LX is nearly here, with the Seattle Seahawks taking on the New England Patriots. While Bad Bunny will be the star of the halftime show, AI could be the star of the commercial breaks, much like crypto was a few years ago.
Super Bowl LX is set to kick off at 6:30PM ET/3:30PM PT on Sunday, February 8th at Levi’s Stadium in Santa Clara, California.
Technology
How to protect a loved one’s identity after death
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When someone you love dies, the to-do list can feel endless. There are legal steps, financial paperwork and emotional weight all happening at once. What many families do not realize is that identity protection rarely makes those lists, even though it should.
Scammers actively target the identities of people who have died. They rely on delays, data gaps and the assumption that someone else is handling it. Janet from Indiana recently reached out with a question many families quietly worry about but rarely ask.
My husband just passed away in December. There are lists upon lists of things to do to wrap up his estate, but nothing that tells me how to lock down his identity now that he’s gone so that fraudsters cannot use it. Maybe our government is efficient enough to report to all of the credit bureaus that he is deceased, but I don’t want to bet my financial security on it. We both have our credit frozen with all three agencies, but is there more that I should do? Thank you.
Janet’s instincts are exactly right. The system often does not work as cleanly as people expect.
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MICROSOFT CROSSES PRIVACY LINE FEW EXPECTED
Scammers often look for recently deceased names because they know systems do not update instantly and families are overwhelmed. (Kurt “CyberGuy” Knutsson)
What the government and credit bureaus do and don’t do
When someone dies, Social Security is usually notified by the funeral home. That step helps, but it does not automatically secure a person’s financial identity.
Here is what often surprises families:
- Credit bureaus are not synchronized in real time
- A death notice does not instantly stop fraud attempts
- Scammers specifically target recently deceased individuals
- Gaps between systems create opportunities for misuse
In short, relying on automation alone leaves room for problems.
AI DEEPFAKE ROMANCE SCAM STEALS WOMAN’S HOME AND LIFE SAVINGS
Credit freezes and alerts help, but they do not stop every attempt to misuse personal information after a death. (Kurt “CyberGuy” Knutsson)
What you’ve already done right
Before adding more steps, it matters to acknowledge what Janet already did correctly.
- Credit freezes with all three bureaus
- Early awareness of identity risks
- Taking action before fraud appears
When speed matters, credit locks — different from freezes — give you instant on/off control. That combination puts someone well ahead of most families.
Steps to protect a loved one’s identity after death
Once the immediate paperwork is underway, these practical steps help close the gaps scammers look for. None of them is super complicated, but together they create a much stronger layer of protection.
1) Add a deceased flag to credit files
Even with a credit freeze in place, this step adds another layer of protection that lenders see immediately.
Contact Equifax, Experian and TransUnion and ask them to mark the credit file as deceased. Each bureau may request:
A copy of the death certificate
- Proof that you are the surviving spouse or executor
Once the flag is added, fraudulent applications become much harder to process because lenders are alerted upfront. A credit lock provides the same blocking effect, but with real-time control; this can matter when you’re managing a deceased estate or responding quickly to lender requests.
2) Monitor identity activity while you manage everything else
This is where many checklists fall short. Credit freezes and deceased flags help, but identity misuse can still surface in other ways.
Fraud attempts may appear as:
- Account takeovers
- Unauthorized credit inquiries
- Use of personal data outside traditional credit
That is why ongoing monitoring still matters.
Why identity theft protection helps at this stage
Identity theft protection focuses on identity protection rather than just credit scores, which makes it especially useful after a loss.
- Monitors for misuse tied to your loved one’s information
- Sends alerts if something suspicious appears
- Includes fraud support if action is needed
- Reduces the burden of constant manual checks
One of the best parts of my pick for top identity theft service is its all-in-one approach to safeguarding your personal and financial life. It includes identity theft insurance of up to $1 million per adult to cover eligible losses and legal fees, plus 24/7 U.S.-based fraud resolution support with dedicated case managers ready to help restore your identity fast. It also combines three-bureau credit monitoring with an instant credit lock that lets you quickly lock down your Experian file right from the app.
See my tips and best picks on how to protect yourself from identity theft at Cyberguy.com.
3) Secure sensitive documents during estate administration
Estate administration often requires sharing paperwork, which is where identity leaks can happen.
Lock down and limit access to:
- Death certificate copies
- Social Security numbers
- Old tax returns
- Insurance and pension records
Only share what is required and keep track of where documents go.
MILLIONS OF AI CHAT MESSAGES EXPOSED IN APP DATA LEAK
A man types on a laptop. (Kurt “CyberGuy” Knutsson)
4) Watch mail and phone calls for warning signs
Small signals often reveal fraud attempts early.
Pay close attention to:
- Bills or collection notices in their name
- Credit card or loan offers
- Bank or government letters you did not expect
- Calls asking to verify personal information
If something feels off, pause before responding and verify the source independently.
Kurt’s key takeaways
Protecting a loved one’s identity after death is one more responsibility no one prepares you for. It is not about mistrusting the system. It is about protecting yourself during a time when you are already carrying enough. Janet’s question reflects what many families experience quietly. Identity protection does not end when life does, and scammers know that grief creates gaps. Taking a few extra steps now can spare you months or even years of stress later. You are not being overly cautious. You are being careful at a moment when the system does not always move fast enough to keep up with real life.
If you have handled an estate or are planning ahead, have you taken steps to protect a loved one’s identity after death, or is this something you are just learning about now? Let us know by writing to us at Cyberguy.com.
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Copyright 2026 CyberGuy.com. All rights reserved.
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