Technology
Data broker opt-out steps widows should take in 90 days
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Three weeks after her husband’s funeral, Carol’s phone rings. The caller knows her husband’s name, their address and their daughter’s name, even mentioning that she lives across town.
He says he’s calling from a life insurance company and that there’s a policy ready to be paid out. He just needs Carol’s Social Security number and bank routing details to process it.
This scenario draws from real scams reported by fraud investigators and elder abuse advocates across the country. The details change, but the playbook stays the same.
The reason these attacks work so well comes down to something most grieving families never think to check.
HOW SCAMMERS TARGET YOU EVEN WITHOUT SOCIAL MEDIA
Scammers build detailed profiles using obituaries, public records and data broker sites often within days of a loss. (Kurt “CyberGuy” Knutsson)
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Why scammers target widows and how they find you so fast
Losing a spouse creates a perfect storm for scammers. Grief can leave you overwhelmed, and at the same time, you are handling financial decisions, paperwork and major life changes. That combination makes it easier for someone to catch you off guard.
THE ONE THING SCAMMERS CHECK BEFORE TARGETING YOU ONLINE
Meanwhile, your personal information becomes easier to find. Obituaries often include names, relationships and locations. Death records get filed with the Social Security Administration and added to the Death Master File. Probate filings can reveal property transfers, beneficiaries and account details.
Data brokers collect all of this and turn it into detailed profiles that almost anyone can access. According to research from a data privacy company analyzing five years of FBI Internet Crime Complaint Center data, about 52.5% of crimes reported by Americans over 60 in 2023 were either enabled or worsened by personal data available online. Widows, especially those managing estates alone, sit high on that target list.
Here’s what you should do in the first 90 days
Despite being in a high-risk group, taking these protective steps should keep scammers at bay. I know how overwhelming this time can be, so I recommend asking a trusted family member or friend for assistance setting things up. Though you should always refrain from sharing sensitive details like account numbers and your Social Security number.
THE DATA BROKER OPT-OUT STEPS EVERY RETIREE SHOULD TAKE TODAY
Days 1-30: Limit what enters the system
The first month is when the most damaging data gets published. So your first job is damage control.
1) Be strategic about the obituary
Obituaries are the single most accessible data source scammers use after a death. A traditional obituary lists full names, survivor relationships, hometowns and sometimes even ages. That’s a complete family map, and in the wrong hands, it can be a powerful weapon.
You don’t have to skip the obituary. But consider removing or abbreviating the exact home city (use the region instead), names of minor grandchildren and the surviving spouse’s first and last name combined with their address. “Carol of Cleveland” is safer than “Carol Patterson of 114 Birchwood Lane, Cleveland.”
HOW TO REMOVE YOUR PERSONAL INFO FROM PEOPLE-SEARCH SITES
2) Search your name on people-finder sites
Before you can remove anything, you need to see what’s already there.
Go to Spokeo, Whitepages, BeenVerified and Intelius. Search your name and your spouse’s name. What you find will likely include your address, phone number, email addresses, relatives’ names and property records.
This snapshot is your starting point. Take screenshots. You’ll need them.
10 SIGNS YOUR PERSONAL DATA IS BEING SOLD ONLINE
3) Set up a Google Alert for your name and address
It takes two minutes, and it’s free. Go to google.com/alerts and create alerts for:
- Your full name
- Your spouse’s full name
- Your street address.
If your information gets published anywhere new, you’ll get an email notification. This is your early warning system.
REMOVE YOUR PERSONAL INFO FROM THE WEB — STOP IT FROM COMING BACK
Days 31-60: Start removing and automating what you can’t do manually
People-search sites can expose your address, relatives and contact details, making it easier for scammers to target you. (Kurt “CyberGuy” Knutsson)
By now, your information has had weeks to spread. Manual opt-outs are worth doing, but here’s the reality: there are hundreds of data broker sites. Each one has its own removal process. Many require you to submit ID, wait days for confirmation and then re-submit when your data reappears, because it will.
1) Opt out of people-search sites
Prioritize manual opt-outs from the sites that appear in your Google search results. These carry the most weight because scammers often start with whatever Google surfaces first.
You can find these exposures quickly and easily with Incogni’s free scanner. This tool will scan the web for your personal information and email you a report with a list of results you can start with.
HOW TO HAND OFF DATA PRIVACY RESPONSIBILITIES FOR OLDER ADULTS TO A TRUSTED LOVED ONE
If you’d rather go about it on your own, some of the most common sites include:
- Spokeo: spokeo.com/opt_out/new
- Whitepages: whitepages.com/suppression_requests
- BeenVerified: beenverified.com/opt-out
- Intelius: intelius.com/opt-out.
Each one will ask you to verify your email. Follow through on every confirmation; unconfirmed requests don’t get processed.
Keep in mind that removing your information takes time and persistence. There are hundreds of data broker sites, and many of them re-list your information after it has been removed, especially when new public records become available.
Because of that, some people choose to use automated data removal services that send ongoing opt-out requests on their behalf. These services can help reduce the workload by continuously monitoring and removing listings as they reappear.
No matter which approach you take, consistency matters. Checking your information regularly and following up on removals helps limit what scammers can find.
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
2) Update security questions on all financial accounts
This step is urgent, and most people skip it entirely.
Data broker profiles almost always contain the exact answers to your bank’s security questions. Mother’s maiden name. Previous address. City where you were born. Scammers use these to impersonate you and access your accounts.
WHAT HACKERS CAN LEARN ABOUT YOU FROM A DATA BROKER FILE
Call your bank, brokerage and insurance companies. Ask to update your knowledge-based authentication questions. Use answers that are completely made up, something only you know and store them in a password manager. Don’t use any answer that appears anywhere in a data broker profile.
Days 61-90: Lock down the perimeter
By now, the most urgent exposure has been addressed. These final steps close the remaining gaps and protect you in the long term.
1) Place a credit freeze on your account and your spouse’s
A credit freeze prevents new credit accounts from being opened in your name. It’s free at all three major bureaus: Equifax, Experian and TransUnion.
HOW TO SAFEGUARD YOUR CREDIT SCORE IN RETIREMENT AS FRAUD AND IDENTITY THEFT RISE AMONG SENIORS
Critically: freeze your spouse’s credit too. After a death, identity thieves frequently open new accounts in the deceased person’s name before the credit bureaus are updated. This is called ghosting, and it can haunt an estate for years.
To freeze a deceased spouse’s credit, contact each bureau individually and provide the death certificate. It’s a few phone calls. It’s worth every minute.
2) Request removal from the Social Security Death Master File
Families can submit a request to limit access to a deceased person’s Social Security data in certain contexts. Visit ssa.gov for current guidance. This won’t scrub the record entirely, but limiting access to the Death Master File reduces the pool of parties who can use it to enrich your data broker profile.
3) Review all joint account access and update beneficiary information
This isn’t directly a data privacy step, but it protects you from a related threat. Scammers who know about an estate sometimes pose as financial advisors, attorneys or government representatives to intercept beneficiary changes. Confirm all account changes directly through institutions you contact yourself, never through a number someone else gives you.
4) Set up simple safeguards to stop scams early
By this stage, your data is more controlled. Now the focus shifts to stopping scams before they escalate. Start by setting clear expectations with your family. Let them know you will never ask for money through an unexpected call, text or email. Creating a simple code word or check-in rule can stop panic-driven decisions, which is exactly what scammers rely on.
Next, slow down any urgent financial request. Scammers create pressure to force quick action. If someone claims there is a payout, problem or deadline, pause and verify it using a phone number or website you trust, not one they provide. It also helps to keep a short list of your financial institutions and their official contact details in one place. That way, you always know how to reach them directly without relying on incoming calls or messages.
Taking simple steps early, like removing your data and freezing your credit, can reduce your risk during the most vulnerable time. (Kurt “CyberGuy” Knutsson)
INSIDE A SCAMMER’S DAY AND HOW THEY TARGET YOU
Finally, be cautious in real-time conversations. Scammers often build trust by collecting small details over multiple interactions. Keeping answers brief and avoiding unnecessary personal details makes it that much harder.
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
Kurt’s key takeaways
The first few months after losing a spouse bring enough decisions without adding fraud risks on top. Yet that is when your personal information spreads the fastest. Public records and data broker sites can quietly build a profile that scammers use against you. Early action makes a real difference. Limiting what gets published, removing existing data and securing your accounts all reduce your exposure. Even small steps, like updating security questions or freezing credit, can stop a scam before it starts. You do not need to handle everything at once. Start with a simple search of your name and review what appears. From there, take control at your own pace and protect what matters most.
If someone can piece together your personal life within days of a loss, how much of your information are you comfortable leaving online? Let us know by writing to us at CyberGuy.comCyberguy.com
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Ferrari released the first interior images of the company’s first all-electric supercar, called the Ferrari Luce (“light” in Italian). This is the second time the Italian automaker has teased the Luce (formerly Elettrica) without showing us the actual car, or even a silhouette. But the interior images should suffice given the bold-faced name of the designer: Jony Ive.
Ferrari decided to outsource the work of designing the Luce’s interior to Ive and his partner Marc Newson, who together run the design shop LoveFrom. Ive, obviously, is well known for his work as Apple’s former chief designer, overseeing such iconic products as the iMac, iPhone, iPad, and Apple Watch. Now he’s turning his attention to a vehicle from Ferrari — and perhaps, in the process, giving us an idea of what an Apple car could have looked like, had the tech giant decided to pursue its secretive Project Titan instead of spiking it.
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Healthcare has moved onto your phone. That sounds convenient until you are staring at a login screen, trying to refill a prescription, book a telehealth visit or figure out why your insurance portal will not load.
For many older adults, this shift has created a new kind of health problem. It is called low digital health literacy, and it can affect much more than your patience.
Digital health literacy means having the knowledge, access and confidence to use online health tools. That includes apps, patient portals, prescription refills, telehealth visits, benefit websites and digital forms.
New research from CVS Health on Medicare-age adults found that many seniors want to use digital health tools. However, they often hit roadblocks that make care harder to manage. Those roadblocks include confusing portals, privacy concerns, outdated devices, spotty internet and hard-to-follow health information.
HOW TO HELP OLDER RELATIVES WITH TECH OVER THE HOLIDAYS
That can lead to missed appointments, delayed care, prescription problems and more stress for people already managing health challenges.
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SCAMMERS EXPLOITED MOM’S FEARS TO STEAL HER ENTIRE LIFE’S SAVINGS
Older adults are increasingly managing healthcare through apps and online portals, but confusing systems and security concerns are making digital care harder to navigate. (Jaap Arriens/NurPhoto via Getty Images)
Why digital health literacy affects your care
Healthcare companies, insurance plans, pharmacies and doctors’ offices now rely heavily on digital tools. You may need an app to check test results. You may need a portal to message your doctor. You may need a website to understand your benefits.
That works well when the tool feels simple. It becomes a problem when the tool creates more confusion than clarity.
The CVS Health research found that digital health literacy challenges appeared across several common areas. Many older adults struggled to navigate health information online. Others worried about whether websites or apps could protect their personal information. Some lacked reliable internet or newer devices. Many simply felt unsure about what to click next.
That uncertainty matters. When someone cannot access a portal, understand a benefit or complete a refill request, digital care becomes a barrier instead of a shortcut.
Why seniors need better digital health support
One of the most important findings is encouraging. Older adults are not rejecting technology across the board. In fact, the research found that 86% of respondents were open to digital health engagement. Many were willing to learn. They just wanted tools that matched their comfort level.
That point challenges a common assumption. The bigger issue is design. Many people want to use digital health tools, but the experience often feels confusing. A person may use a smartphone every day and still struggle with a health portal. Health tasks can feel more stressful than everyday online tasks because the stakes are higher. A wrong click can feel risky. A confusing message can raise anxiety. A failed login can delay something important.
Common digital health problems older adults face
The research points to several pain points that will feel familiar to many older adults.
1) Confusing portals and health websites
Many people feel overwhelmed when trying to find health information online. They may not know which portal to use, where to check benefits or how to fix an error message. This gets harder when each doctor, pharmacy or insurer uses a different system. One login handles test results. Another handles prescriptions. A separate website shows insurance coverage. That creates a lot of digital homework.
2) Passwords and login problems
Simple tasks can fall apart at the login screen. Forgotten passwords, two-factor codes and account lockouts can stop someone from getting the care information they need. Security matters. Still, a login process that feels impossible can push people away from digital care entirely.
3) Privacy and scam concerns
Many older adults worry about sharing personal information online. That concern makes sense. Health accounts can contain sensitive details, including medications, diagnoses, insurance information and payment data. Scammers also target older adults with fake medical messages, bogus pharmacy alerts and phishing emails that look official. As a result, some people hesitate even when a real health message arrives.
4) Old devices and weak internet access
Digital health tools assume people have reliable internet, updated phones and working software. Many do not. Older devices may run slowly or fail to support newer apps. Limited internet access can make telehealth frustrating. Cost can also stop people from upgrading devices or paying for faster service.
Why telehealth still feels risky for some seniors
Telehealth became familiar to many people during the pandemic. The research found that many Medicare respondents had previous telehealth experience and saw its convenience. Still, some remained skeptical. The biggest concern was whether telehealth could actually address their health problem.
That hesitation makes sense. A video visit may work well for a follow-up question, medication discussion or minor issue. It may feel wrong for a new symptom, pain that needs an exam or anything that feels urgent. The takeaway is simple. Telehealth works best when patients understand when to use it and when to ask for in-person care.
GOOGLE’S AI UNLEASHES POWERFUL SCAM-BUSTING FEATURES FOR ANDROID
New CVS Health research found many Medicare-age adults want to use digital health tools, but outdated devices, login issues and privacy fears remain major obstacles. (Gabby Jones/Bloomberg via Getty Images)
How AI could change digital health literacy
AI is starting to appear in healthcare tools. It may help explain benefits, answer basic questions and guide people through online tasks. Used well, AI could reduce frustration. It could translate confusing health language into plain English. It could help someone find the right next step faster.
However, AI also creates a new challenge. People need to know when they are dealing with AI, what the tool can do and when they should ask for a real person. That human backup is important. For healthcare, trust often depends on knowing help is available when something feels confusing, sensitive or serious.
How to use health apps safely
If you have ever felt stuck inside a health app, you are not alone. Digital health tools can help you manage care, but only when you know how to use them safely. Here are the key things to know.
1) Keep a written list of your health logins
Keep a secure list of your main health websites and apps. Include your doctor portal, pharmacy account, insurance account and telehealth platform. A password manager can make this much easier. It can store strong passwords, fill them in for you and reduce the chance that you type your information into a fake site. Check out the best expert-reviewed password managers of 2026 at CyberGuy.com.
On iPhone running: Go to Settings > General > AutoFill & Passwords. Turn on AutoFill Passwords and Passkeys. Then choose the password app you want to use. Apple says Password AutoFill can fill saved passwords and passkeys from the Passwords app or supported password apps.
On a Samsung phone: Settings may vary depending on your Android phone’s manufacturer
Go to Settings > Security and privacy > More security settings > Passwords, passkeys and autofill > Preferred service. Choose Samsung Pass, Google or your preferred password manager. If you do not see that path, open Settings and use the search bar at the top to search Preferred service.
2) Go straight to the official website or app
If you get a text or email about your health account, avoid clicking the link. Open the official app from your phone’s home screen. You can also type the website into your browser yourself. This one habit can help you avoid many phishing scams. If a message says your account has a problem, do not use the link in that message. Go directly to the health app, pharmacy app, doctor portal or insurance website.
3) Turn on two-factor authentication
4) Ask for human help when you get stuck
You should not have to guess your way through healthcare. If a portal confuses you, call the provider, pharmacy or insurance plan directly using the number on your card or the official website. Ask them to walk you through the task slowly. You can also ask whether they offer in-person help, phone support or printed instructions.
5) Use telehealth for the right kind of visit
Telehealth can work well for follow-ups, prescription questions, some mental health appointments and simple care needs. For new symptoms, severe pain, breathing trouble or anything that feels urgent, ask whether you need in-person care. When in doubt, call a medical professional.
6) Check app permissions
Health apps may ask for access to your location, camera, microphone, photos or notifications. Some permissions make sense. Others may not be necessary.
On iPhone: Go to Settings > Privacy & Security. Tap the item you want to check, such as Location Services, Camera, Microphone or Photos. Tap the health app you want to review. Choose the safest option that still lets the app work. Apple says this area lets you review which apps can access features such as the camera, microphone and location.
To check notifications on iPhone, go to Settings > Apps > [name of health app] > Notifications. Turn Allow Notifications on or off.
On a Samsung: Settings may vary depending on your Android phone’s manufacturer Go to Settings > Apps > tap the three dots in the upper-right corner > Permission manager. Tap a permission, such as Location, Camera or Microphone. Tap the health app you want to review. Choose Allow only while using the app, Ask every time or Don’t allow, depending on what you want the app to access.
To check notifications on Samsung, go to Settings > Apps > [name of health app] > Notifications. Turn notifications on or off.
7) Keep your phone and health apps updated
Updates can fix bugs and close security holes. They can also make apps work better with your doctor, pharmacy or insurance portal.
On iPhone: Go to Settings > General > Software Update. Wait for the screen to check for updates. If an update appears, tap Download and Install and follow the instructions.
To update apps on iPhone, open the App Store. Tap your profile picture in the top-right corner. Scroll down to App Updates. Tap Update next to the health app or tap Update All.
On a Samsung phone: Settings may vary depending on your Android phone’s manufacturer Go to Settings > Software update > Download and install. If an update appears, tap Install now and follow the instructions.
To update apps on Samsung, open the Google Play Store. Tap your profile picture in the top-right corner. Tap Manage apps & device. Tap Updates available. Tap Update next to the health app or tap Update all.
For Samsung apps, open the Galaxy Store app. Tap Menu in the bottom-right corner. Tap Updates. Tap Update all to update everything, or tap the update icon next to one app to update it by itself.
8) Add strong antivirus software
Strong antivirus software can help protect you from scam links, fake websites, malicious downloads and other online threats. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe. This matters because health accounts can contain personal details, insurance information and prescription data. Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android and iOS devices at CyberGuy.com.
9) Watch for scam warning signs
Be careful with messages that create panic. Scammers may say your benefits will stop, your prescription has been canceled, or your account has been locked. Look for spelling errors, strange links, urgent demands and requests for payment. Real health organizations should never pressure you to share passwords or one-time codes. If you are unsure, stop and call the company using a phone number from your card, bill or official website.
How to help a loved one use health apps
Many older adults want support, not someone taking over the whole process. If you help a parent, spouse or friend, sit beside them and let them do the clicking when possible. Explain what each step means. Help them save official websites as bookmarks so they can return safely later. Also, slow down. Healthcare already feels stressful. Technology can make that stress worse when someone feels embarrassed or rushed. A little calm help can build confidence over time.
Join CyberGuy Live: Lock Down Your Phone in 30 Minutes (Saturday, June 13, 10 am ET)
Your phone holds your email, passwords, photos, banking apps and personal data. In this free, live online class, Kurt the CyberGuy will walk you step by step through simple phone security fixes you can do in real time. You’ll learn how to improve your privacy settings, spot the latest phone scams, use trusted security tools and walk away with a simple checklist to stay protected. Register here: CyberGuyLive.com.
1.7 BILLION PASSWORDS LEAKED ON DARK WEB AND WHY YOURS IS AT RISK
Telehealth and online prescription systems can simplify care, but many seniors still struggle with passwords, portals and scam risks tied to digital health platforms. (Gabby Jones/Bloomberg via Getty Images)
Kurt’s key takeaways
Digital health tools are now part of everyday care. They can save time and make routine tasks easier. Yet they can also leave people behind when the design feels confusing, or the support disappears too quickly. The best health technology should make people feel more in control. That means simple logins, clear instructions and an easy way to reach a real person when something goes wrong. For older adults and the families who love them, digital health literacy has become a practical safety skill. It can affect whether people book appointments, refill medications and feel safe using online care.
When your healthcare moves onto a screen, who should be responsible for making sure you can actually use it? Let us know by writing to us at CyberGuy.com.
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Copyright 2026 CyberGuy.com. All rights reserved.
It’s possible that AI was used to write parts of Pope Leo XIV’s latest encyclical about AI’s impact on humanity. An analysis by Linch Zhang posted on the forum LessWrong found certain paragraphs of Magnifica Humanitas to be between 40 percent and 100 percent written by AI, according to the popular AI detector Pangram.
The document includes known traits that appear in AI-generated writing, such as a higher use of the word “genuinely” — which crops up in writing by Anthropic’s Claude — than previous encyclicals, Zhang says. Another person ran the text of the document section by section through Pangram, finding that 62 percent of its first chapter was flagged as AI generated. When The Verge ran roughly 2,000 words of the document through Pangram, it estimated that 46 percent was AI-written.
AI detection isn’t foolproof
Still, other portions register as being written by humans. Zhang notes that Pangram flagged some sections as “essentially 0% AI.” The first 20 paragraphs of the last four encyclicals, when run through Pangram, had a 100 percent confidence of being human written. And a transcript of Pope Leo’s speech, run through Pangram, was also rated as 100 percent human.
AI detection isn’t foolproof. Different AI detectors can display different results, and even when there’s consensus there’s no guarantee they’re correct. But Pangram is generally respected among AI researchers. In March 2025, Pangram said it estimated its false positive rate of reporting human-written work as AI-generated “to be approximately 1 in 10,000.”
Encyclicals are lengthy letters published by the pope, meant to impart teachings that address important moral and social challenges of the time, according to The New York Times. This encyclical is the pope’s first, with the most recent one written by Pope Francis in October 2024. It’s also the first to focus on AI and its wide-ranging influences, with Pope Leo notably presenting it alongside Christopher Olah, a co-founder of Anthropic.
The Vatican didn’t immediately reply to a request for comment.
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