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.
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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.
YouTube is launching a new AI feature that creates a personalized video feed based on descriptions of what you want to watch. In its announcement, YouTube says custom content feeds can be built around your specific interests, moods, or favorite topics, which you can then pin to the top of your YouTube homepage — making it easy to jump back into the feed.
This feature is currently rolling out with English language support to YouTube users in the US who are signed-in on the YouTube mobile app or desktop. To access it, click on the “Your custom feed” tab at the top of the YouTube homepage and enter a prompt description into the AI text box. For example, you can ask the YouTube AI to “help me unwind with guided meditations under 10 minutes,” or for “deep-dive tech podcasts about AI,” and then receive a curated feed based on your request.
It’s similar to other AI-powered feed customization features we’ve seen from other platforms, including Spotify’s prompted playlists. Instagram also gave users more control over their Reels feed algorithm in December, though that uses topic lists rather than descriptive prompts.
YouTube says that prompts can be edited at any time to “generate a brand new space” by selecting the text box at the top of your custom feed. To see the “Your custom feed” tab, YouTube says you need to ensure your search and watch history are enabled in your account settings. If the AI messes up your feed request, you can also report the issue to YouTube by clicking the 3-dot menu on the feature tab and selecting “Something wrong?” to leave feedback.
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Bank security can feel confusing because every account seems to handle it differently. One bank sends a text. Another sends an email. Another asks you to approve a login inside its app. So when someone says, “Use stronger two-factor authentication,” it is fair to wonder what that actually means.
Kyra from West Plains, Missouri, reached out to us asking:
I watched your podcast video where you talked about two-factor authentication and getting codes by email from your bank and other accounts. My accounts seem to do that automatically, as far as I know. Is that enough, or do I need to contact my bank to make sure it’s set up correctly
Kyra, this is a great question because a lot of people are in the same boat. They see a code pop up and assume they are fully protected. The truth is a little more complicated. Text or email codes are better than having only a password.
Text and email codes, however, are not always the strongest options. Scammers have found ways to steal codes, trick people into sharing them or take control of a phone number through a SIM swap scam. Once scammers control your number, they may receive the text codes needed to get into accounts that use SMS-based multi-factor authentication.
TOP MULTI-FACTOR AUTHENTICATION APPS TO PROTECT YOUR ACCOUNTS
Bank customers using text-message security codes may still face risks from SIM swap scams and phishing attacks. Cybersecurity experts recommend stronger login protection when available. (Anna Barclay/Getty Images)
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What two-factor authentication actually does
Two-factor authentication, also called 2FA or multi-factor authentication, adds another step when you log in. Instead of relying only on your password, the account asks for something else to prove it is really you.
That “something else” might be a code sent by text, a code from an authenticator app, a security key or a prompt inside your bank’s mobile app. Two-factor authentication is one of the best ways to protect your accounts because it adds a second layer beyond your password.
So, Kyra, if your bank already sends you a code, that is a good sign. It means some form of extra protection is turned on. But the next question is whether your bank offers a stronger option.
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Why text message codes are not the strongest choice
Text message codes are popular because they are easy to use. Most people know how to read a text and type in a code. That convenience comes with risk.
A SIM swap scam happens when a criminal tricks your phone carrier into moving your phone number to a device they control. Once that happens, your calls and texts may go to the scammer instead of you. The American Bankers Association warns that scammers may try to intercept two-factor authentication codes so they can access financial accounts.
Scammers can also call, text or email while pretending to be your bank. They may say there is fraud on your account and ask you to read back a code. That code may actually be the key they need to log in. Scammers often try to trick people into sharing verification codes because they need both the password and the code to break into an account.
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That is why the safest rule is simple: Never share a bank security code with anyone who contacts you. A real bank should not call and ask you to read back a login code.
Why an authenticator app is usually better
When your bank supports it, an authenticator app is usually a stronger choice than text messages. Apps such as Google Authenticator, Microsoft Authenticator, Authy and Duo Mobile generate a changing six-digit code on your phone.
The big advantage is that the code is created inside the app. It usually works even when you do not have cell service. It also does not depend on your phone number, which helps reduce the risk from SIM swap scams.
That said, authenticator apps are not magic. If you type a code into a fake banking website, a scammer may still capture it. One-time password authentication isn’t phishing-resistant. Still, authenticator apps remove some of the biggest weaknesses tied to text-message codes.
NEW PHISHING ATTACK USES REAL-TIME INTERCEPTION TO BYPASS 2FA
Two-factor authentication adds a second layer of protection to online banking accounts, but not all methods offer the same level of security. Authenticator apps and passkeys are generally safer than text codes. (Kyle Ericksen/WWD/Penske Media via Getty Images)
The strongest option, if your bank offers it
Some banks and financial services give you stronger ways to prove it is really you when you log in. Two of the strongest options are hardware security keys and passkeys.
A hardware security key is a small physical device, often shaped like a USB stick, that you plug into your computer or tap against your phone to approve a login.
A passkey lets you sign in using your device, such as your phone or computer, often with Face ID, Touch ID, a fingerprint or a screen lock.
These options are harder for scammers to steal because they are designed to work only with the real website or app. That means a fake banking website usually cannot trick them the same way it can trick someone into typing in a text code.
For most people, the safest order is simple: use a security key or passkey if your bank supports it. If not, use an authenticator app. If text codes are the only option, keep them turned on because they are still better than using only a password.
How to check your bank’s security settings
You may not need to visit a branch. In most cases, you can check this from your bank’s official website or app.
Start from a computer if you can. Go directly to your bank’s official website by typing the web address yourself. Do not click a link from a text or email, even if it looks real.
Then look for a section with a name like:
- Security
- Login & Security
- Privacy & Security
- Two-Factor Authentication
- Multi-Factor Authentication
- 2-Step Verification
Once you are there, look for an option called Authenticator app. Some banks may use different wording, such as authentication app, one-time passcode app, TOTP, security app or third-party authenticator. If you see that option, follow the setup steps. Your bank will usually show a QR code on your computer screen. Open your authenticator app on your phone, tap Add account or the + button, then scan the QR code. The app will generate a six-digit code. Enter that code on your bank’s website to confirm setup.
Do not skip the backup codes
This part matters more than people realize. If your bank gives you backup codes, save them right away. Print them and store them somewhere safe, or place them in a secure password manager. These codes can help you get back into your account if your phone gets lost, damaged or replaced.
Also, make sure your bank has your current email address and phone number on file. If your recovery information is old, getting back into your account can become much harder.
If you share access with a spouse or trusted family member, ask your bank how additional users should set up their own secure login. Avoid sharing one password or one authenticator code when the bank offers separate user access.
What to do if your bank only offers text codes
Some banks may not offer a third-party authenticator app, but may let you approve logins inside the bank’s own mobile app. That can be stronger than a text message because the approval happens inside the banking app rather than through your phone number.
AMERICA’S MOST-USED PASSWORD IN 2025 REVEALED
If yours only offers text-message codes, do not turn them off. Text codes are still better than no second layer at all. However, you should ask your bank whether it supports a stronger option. You can call the number on the back of your debit or credit card, use secure messaging inside the bank’s app or visit a branch.
Ask this: “Do you support authenticator apps, passkeys, hardware security keys or app-based login approval for online banking?”
If the answer is no, keep text codes turned on. Then strengthen the parts you can control. Use a strong and unique bank password, and store it in a trusted password manager so you do not have to remember it or reuse it anywhere else. Check out the best expert-reviewed password managers of 2026 at CyberGuy.com.
In addition, ask your mobile carrier to add a port-out PIN, number transfer lock or account security PIN to help reduce SIM swap risk. Also, turn on account alerts for transfers, password changes and new device logins.
HOW SIM SWAPPING LED TO A $1.8M CYBER FRAUD CASE
Security experts warn that scammers can intercept text verification codes or trick customers into sharing them. Customers should never provide login codes to unsolicited callers or texts. (Karl-Josef Hildenbrand/picture alliance via Getty Images)
Should Kyra contact her bank?
Yes, but she probably does not need to walk into a branch unless she prefers in-person help. Kyra should first log in to her bank’s official website or app and check the security settings. If she sees an authenticator app, passkey, security key or app-based approval option, she should consider using it. If she only sees text or email codes, she should keep them turned on and contact the bank to ask whether stronger login options are available.
She should also make sure her bank password is strong and unique, protect her email account with strong two-factor authentication and confirm that her account alerts are turned on.
WORLD PASSWORD DAY: CHECK IF YOUR PASSWORDS ARE SAFE
Kurt’s key takeaways
Kyra’s question gets to the heart of account security. Seeing a code arrive by text or email can feel reassuring. And yes, it is better than relying on a password alone. However, bank accounts deserve the strongest protection your bank offers. If you can move from text codes to an authenticator app, that is a smart upgrade. If your bank supports a passkey or security key, even better. And no matter which method you use, never give a security code to someone who calls, texts or emails you out of the blue.
Have you checked whether your bank still relies on text codes, and would you switch banks if yours refused to offer stronger login protection? Let us know by writing to us at CyberGuy.com.
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- For simple, real-world ways to spot scams early and stay protected, visit CyberGuy.com – trusted by millions who watch CyberGuy on TV daily.
- Plus, you’ll get instant access to my Ultimate Scam Survival Guide free when you join.
Copyright 2026 CyberGuy.com. All rights reserved.
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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