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Data broker opt-out steps widows should take in 90 days

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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

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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.

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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

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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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Copyright 2026 CyberGuy.com.  All rights reserved.

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Technology

Barret Zoph is out at OpenAI again after just five months

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Barret Zoph is out at OpenAI again after just five months

Five months after returning to OpenAI, Barret Zoph — the company’s head of enterprise AI sales — has departed, The Verge has learned.

Zoph returned to OpenAI in mid-January after a stint as co-founder and CTO of Thinking Machines Lab, the competing AI company founded by former OpenAI CTO Mira Murati. Shortly after Zoph returned to OpenAI, the company said he would lead its push into enterprise — a significant role at OpenAI, since in recent months it had vowed to stop chasing so-called “side quests” and focus on key revenue drivers like enterprise and coding ahead of its planned IPO.

OpenAI confirmed to The Verge that Zoph will be departing. He posted a goodbye message in the company’s Slack channels. Zoph did not immediately respond to a request for comment.

Zoph originally left OpenAI in the fall of 2024 for Murati’s Thinking Machines Lab, but departed the role abruptly in January 2026 after reports of alleged misconduct involving an undisclosed relationship with a colleague. Murati posted on X in January that Thinking Machines Lab had “parted ways” with Zoph and that he would be replaced as CTO.

Thinking Machines Lab has its own tensions with OpenAI. Murati briefly took over as CEO from OpenAI CEO Sam Altman during his November 2023 ouster, and during the recent OpenAI trial, Murati testified that she couldn’t trust everything Altman said. In September 2024, when Murati left OpenAI to start Thinking Machines Lab, a group of OpenAI employees followed shortly after. But three of them — including Zoph — all returned to OpenAI together this past January. Fidji Simo, OpenAI’s CEO of Applications, wrote on X at the time that she was “excited to welcome Barret Zoph, Luke Metz, and Sam Schoenholz back” and that the decision had “been in the works for several weeks.”

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6 in 10 identity crimes now begin with a new account

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6 in 10 identity crimes now begin with a new account

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For years, two women in Bremerton, Washington, opened credit cards and lines of credit in other people’s names, working from documents they pulled out of stolen mail. Emily Vranic and Heather Marquis redirected the new accounts’ statements to an address they controlled, so no bill ever reached the victims. They pleaded guilty in federal court this month to bank fraud and aggravated identity theft in a scheme prosecutors say stole nearly $229,000 from banks and bank customers.

If you have ever worried about a credit card opened in your name, this case shows how quickly stolen mail can turn into a much bigger identity theft problem. Opening a new account is the leading form of identity misuse reported to the Identity Theft Resource Center. In its latest data, 62.1% of attempted misuse cases began with a new account application rather than the takeover of an account the victim already held.

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WARNING SIGNS YOUR MAIL HAS BEEN FRAUDULENTLY REDIRECTED

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A credit card opened in your name can start with stolen mail, exposed personal details or documents pulled from the trash. (Nastasic/Getty Images)

How stolen mail helped thieves open credit cards

When people picture an account opened in their name, they may imagine a checking account at a bank they have never set foot in. The more likely target is a credit card. Credit cards made up 41% of attempted account misuse reported to the ITRC last year. Checking accounts came to 17.7% and personal loans to 8.5%.

A credit card is one of the easier accounts to open in someone else’s name, and the reason is in how the application is cleared. A lender matches the submitted name, date of birth, address and Social Security number (SSN) against the bureau file. When those details fit a record that already exists, an automated system can approve the application with no one confirming that the applicant is the person being described. Assemble enough of someone’s information from breaches and stolen mail, and the check clears.

Why identity thieves rarely stop at one account

Vranic and Marquis did not stop at one account per victim. Once they controlled someone’s identity, they activated existing cards, opened new credit lines and moved money out of bank accounts tied to the same name.

This is common. The ITRC found that 25.6% of victims are now handling two or more identity incidents at once, up from 23.5% the year before. The same stolen details, including name, date of birth, address and SSN, can open the next account as easily as the first.

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DON’T LET THIS CREDIT CARD FRAUD NIGHTMARE HAPPEN TO YOU

A fraudulent credit card may stay hidden for weeks if statements and notices are sent to an address controlled by the thief. (Kurt “CyberGuy” Knutsson)

Why weeks can pass before you learn about the account

A new account does not announce itself. It reaches your credit report only after the first statement closes, which puts the first record 30 to 60 days behind the opening. Banks report to the bureaus monthly, and the bureaus need up to two weeks more to post the change.

The first paper notice goes wherever the application is listed. Vranic and Marquis had the statements mailed to their own address, not the victims’. When the mail reaches the right house, it may read like a routine offer or a card no one ordered, which makes it easy to set aside.

By the time a denied loan or a collections call makes the account impossible to ignore, it has been open and drawing money for weeks.

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WHY THAT $4 CHARGE ON YOUR STATEMENT COULD BE FRAUD

Freezing your credit, watching for new accounts and acting quickly can help limit the damage if your identity is used. (Kurt “CyberGuy” Knutsson)

What to do if a credit card appears in your name

Move quickly, because every day an account stays open gives a thief more time to spend money, damage your credit or try the same information somewhere else.

1) Contact the card issuer immediately

Call the credit card company or lender that opened the account and tell them the account is fraudulent. Ask them to close or freeze the account, stop any pending charges and send written confirmation that you are not responsible for the debt.

2) Start at IdentityTheft.gov

Go to IdentityTheft.gov. The Federal Trade Commission’s site generates an Identity Theft Report and recovery plan to help you report identity theft, limit the damage and fix your credit.

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3) File a police report if a creditor asks for one

Your FTC Identity Theft Report is usually the key document for disputing fraudulent accounts. Some lenders, banks or debt collectors may also ask for a police report. If that happens, file one with your local police department and keep a copy for your records.

4) Save every document and confirmation number

Keep copies of account statements, collection letters, emails, dispute letters, FTC reports, police reports and confirmation numbers. A clear paper trail can make it easier to prove the account was fraudulent if a creditor, credit bureau or debt collector questions your claim.

5) Dispute the account in writing

Dispute the fraudulent account directly with the lender that opened it, in writing. Also dispute it with Equifax, Experian and TransUnion if it appears on your credit reports. Under the Fair Credit Reporting Act, companies that furnish information to credit bureaus have a duty to investigate disputed information.

6) Freeze your credit at all three bureaus

Place a freeze at Equifax, Experian and TransUnion to help block the next application. Freezes have been free since 2018 and can be lifted online when you need to apply for credit.

7) Add a fraud alert

A credit freeze blocks access to your credit file. A fraud alert tells lenders to take extra steps to verify your identity before opening new credit in your name. You only need to contact one of the three major credit bureaus to place a fraud alert, and that bureau must notify the other two.

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8) Report suspected mail theft

If you believe stolen mail helped someone open the account, report it to the U.S. Postal Inspection Service, the law enforcement arm of the Postal Service. You can report mail theft, identity theft, fraudulent change-of-address requests, fraudulent mail holds and fake Informed Delivery accounts at mailtheft.uspis.gov.

9) Request an IRS Identity Protection PIN

If your Social Security number was used, request an IRS Identity Protection PIN at irs.gov/ippin. This helps keep a thief from filing a tax return in your name.

10) Change passwords and lock down your accounts

Change the passwords on your bank, credit card and email accounts, especially if your email address was part of the fraud. Use a password manager to create and store strong, unique passwords for each account, so one exposed password cannot unlock the rest of your financial life. Turn on two-factor authentication (2FA) where available. Then review recent transactions, saved payment methods and automatic payments for anything you do not recognize. 

11) Get help cleaning up the damage

Cleaning up identity theft can mean dealing with creditors, credit bureaus, debt collectors and repeat follow-ups. Keep copies of every report, dispute letter, confirmation number and account closure notice so you have a clear paper trail if the fraud resurfaces.

No service can prevent every account opened in your name. Continuous three-bureau credit monitoring may alert you to new accounts as they are reported, rather than weeks later when a lender turns you down or a collections notice arrives. See my tips and best picks on Best Identity Theft Protection at Cyberguy.com

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Kurt’s key takeaways

A stolen credit card account can quietly grow into a much bigger identity theft mess before you ever see a bill. That is what makes this Washington case so alarming. The victims were not ignoring warning signs. The statements were being sent somewhere else. The best move is to make it harder for thieves to open the next account. Freeze your credit at Equifax, Experian and TransUnion, watch for hard inquiries and check your credit reports for accounts you do not recognize. If something appears, go straight to IdentityTheft.gov, file a report and dispute the account in writing with the lender. Credit monitoring can also give you a faster heads-up when a new account or inquiry hits your file. It will not stop every scam, but it can shorten the time between the fraud starting and you finding out.

Have you ever found a credit card, loan or account on your credit report that you did not open? Let us know how you discovered it and what it took to fix it by writing to us at Cyberguy.com

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  • Plus, you’ll get instant access to my Ultimate Scam Survival Guide free when you join.

Copyright 2026 CyberGuy.com. All rights reserved.

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Valve is so behind on Steam Controller orders that some won’t ship until 2027

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Valve is so behind on Steam Controller orders that some won’t ship until 2027

Valve has some good news and bad news about Steam Controllers. The good news: if you make a reservation for a Steam Controller, the company will now show you one of three estimates of when you’ll be able to actually order your gamepad: by September 2026, by December 2026, or sometime in 2027. The bad news: any reservations made today “indicate a 2027 date for shipping,” Valve says.

“We have no plans to stop making Steam Controller,” according to Valve. “But as we look at the current demand compared to how many we know we can make by the end of the year, we want to manage expectations as much as we can with regards to when folks can expect to receive their order.”

Valve’s very good new Steam Controller went on sale in early May, and the initial rush led some people to run into frustrating problems with trying to check out ahead of the controllers eventually going out of stock. A few days later, the company announced that it would be implementing a reservations queue for interested buyers so they could get on a waitlist. If you’re on the waitlist, when you get notified that a Steam Controller is ready for you to buy, you have 72 hours to actually make the order.

“When we launched Steam Controller last month, we quickly saw that initial demand exceeded our expectations,” Valve says. “Switching to a reservation queue has (hopefully) cut down on the headaches on the customer side, and for us it’s also been helpful as we plan ahead and try to get as many out as quickly as we are able.”

All three of Valve’s big hardware products were delayed from a planned early 2026 launch because of the component crisis, Valve still hasn’t announced when the Steam Machine PC or Steam Frame VR headset might go on sale. However, just yesterday, Valve officially launched its big SteamOS 3.8 update with support for the Steam Machine. It’s also been importing a lot of hardware into the US as of late.

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