Technology
How to safeguard your credit score in retirement as fraud and identity theft rise among seniors
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You’ve worked hard, saved smart, and now it’s time to enjoy your retirement years. But here’s the catch: your credit score still matters, even when you’re no longer applying for mortgages, car loans or new credit cards. Why? Scammers know many seniors don’t monitor their credit very often, and that makes retirees prime targets for identity theft. Due largely to increased scam attempts, financial losses for seniors reached $4.9 billion in 2024. And anyone can become a target. The good news is there are simple, powerful steps you can take right now to lock down your credit score and make sure your hard-earned nest egg is safe.
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HOW SCAMMERS TARGET YOU EVEN WITHOUT SOCIAL MEDIA
Why your credit score matters in retirement
A lot of people assume that once they stop working, their credit score doesn’t matter anymore. After all, you’re not buying a new house or car, right? Not so fast. Your credit score can still affect:
- Insurance premiums. Some insurers factor your credit into your rates.
- Retirement community applications. Senior housing and assisted living facilities often run credit checks.
- Loan approvals. You may still need financing for medical bills, home repairs or emergencies.
- Identity theft risk. A clean, unused credit file is like a blank check to a scammer.
The hands of Karin Seelmann, a 70-year-old participant of a computer course for seniors, handle the keyboard of a laptop in Hanover, Germany, Feb. 21, 2017. (Peter Steffen/picture alliance)
Keeping your credit score safe is about protecting both your financial reputation and your retirement savings.
REMOVE YOUR DATA TO PROTECT YOUR RETIREMENT FROM SCAMMERS
Step 1: Monitor your credit regularly
Even if you’re not applying for credit, you should know what’s in your file. Seniors are often the last to find out when a scammer has taken out a loan or opened a card in their name. The three big credit bureaus, Equifax, Experian and TransUnion, are required to give you a free report once a year. Here’s the trick: thanks to recent changes, you can now get a free weekly credit report at AnnualCreditReport.com. Set a calendar reminder to check your reports once a month. Look for accounts you don’t recognize, suspicious credit inquiries or sudden drops in your score.
HOW SCAMMERS EXPLOIT YOUR DATA FOR ‘PRE-APPROVED’ RETIREMENT SCAMS
A man looking into his retirement matters. (Kurt “CyberGuy” Knutsson)
Step 2: Place a fraud alert
If you suspect you’ve been targeted, a fraud alert makes it harder for identity thieves to open new accounts in your name. It tells creditors they need to take extra steps to verify your identity before approving anything.
- A fraud alert is free.
- It lasts for one year (you can renew it).
- You only need to contact one bureau. They’ll notify the others.
This is a great first line of defense if you’ve received scam calls, phishing emails or notice odd activity in your accounts.
A woman looking up her credit score on a laptop. (Kurt “CyberGuy” Knutsson)
Step 3: Freeze your credit (the gold standard)
A credit freeze is the single most powerful tool retirees have to protect their credit score. Also, it’s completely free. Here’s why you should do it today:
- It blocks anyone from opening new credit in your name.
- It doesn’t affect your current accounts, score or benefits.
- You can unfreeze it anytime if you need new credit.
Since most retirees don’t apply for new loans often, a credit freeze is a “set it and forget it” safeguard. Think of it as putting your credit file in a vault.
How to do it:
- Contact Equifax, Experian and TransUnion individually (you’ll need to freeze your credit with each one).
- Provide proof of identity (usually SSN, date of birth and address).
- Keep the PIN or password they give you; you’ll need it if you ever want to lift the freeze.
HOW TO HAND OFF DATA PRIVACY RESPONSIBILITIES FOR OLDER ADULTS TO A TRUSTED LOVED ONE
A woman looking into her retirement matters on her laptop. (Kurt “CyberGuy” Knutsson)
Step 4: Lock down your personal data online
Here’s something many seniors don’t realize: even if your credit is frozen, scammers can still target you through other leaks of personal information.
Data brokers publish your name, address history, phone numbers, relatives and even property records online. Scammers use this information to:
- Impersonate family members in “grandparent scams.”
- Craft convincing phishing messages.
- Trick banks or creditors with stolen details.
That’s why removing your personal information from these sites is just as important as freezing your credit. Doing it manually means tracking down dozens (sometimes hundreds) of data broker websites and sending formal removal requests and repeating the process every few months as your info pops back up.
Data removal services can handle this automatically, requesting removals from dozens of data brokers at a time and monitoring for re-uploads. It’s one of the simplest ways to cut off scammers at the source and keep your retirement profile off the web.
While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice. They aren’t cheap, and neither is your privacy. These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites. It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet. By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.
Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com.
Get a free scan to find out if your personal information is already out on the web: Cyberguy.com.
5 STEPS TO PROTECT YOUR FINANCES FROM FAMILY SCAMS
Step 5: Watch for warning signs of identity theft
Even with strong protections in place, it pays to stay alert. Here are a few red flags to watch for:
- Bills or medical statements for services you never used
- Collection calls about debts that aren’t yours
- New credit cards or loans arriving in your mail
- Denials for credit or insurance you didn’t apply for
- A sudden, unexplained drop in your credit score.
If you see any of these, act fast: file a report at IdentityTheft.gov, contact your bank or creditors and double-check that your credit freeze is active.
Kurt’s key takeaways
Retirement should be about peace of mind; you’ve earned your retirement. Protecting your credit score may not be the most exciting task on your to-do list, but it’s one of the smartest. By monitoring your credit, freezing your file, removing your data from broker sites and staying alert for red flags, you can keep scammers out of your finances and focus on enjoying the retirement you deserve. Want to take one major worry off your list? Start by having your personal information automatically pulled from the internet. It’s an easy way to reduce your digital footprint and keep your credit and your retirement fund safe.
Should more be done to protect retirees from identity theft and financial scams? Let us know by writing to us at Cyberguy.com.
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Copyright 2025 CyberGuy.com. All rights reserved.
Technology
Snap, YouTube, and TikTok settle suit over harm to students
Snap, YouTube, and TikTok have settled the first lawsuit of its kind, alleging that social media addiction has cost public schools massive amounts of money, according to Bloomberg. The suit, filed by the Breathitt County School District in Kentucky, claims that social media has disrupted learning and created a mental health crisis, straining budgets. The terms of the settlement have not been revealed yet, and Meta is still facing a trial in the same suit, which is viewed as a bellwether for over 1,000 similar lawsuits across the country
This follows an earlier case, settled by Snap and TikTok, in which a 19-year-old plaintiff claimed significant personal injury due to addictive social media apps. Google and Meta did not agree to a settlement in that suit, and it eventually went to trial, where a jury awarded the plaintiff $6 million. Meta also recently lost a suit brought by New Mexico’s Attorney General, to the tune of $375 million.
Beyond monetary awards, many, including New Mexico, are pushing for significant changes to social media apps to limit their harm to minors. And this is just the start of what’s shaping up to be a busy year for social media lawsuits. According to Bloomberg, lawyers representing school districts said their “focus remains on pursuing justice for the remaining 1,200 school districts who have filed cases.”
Technology
Missed voicemails with no calls? It could be a scam
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It starts quietly. Your phone buzzes. You see a voicemail notification. But your phone never rang. Then it happens again. And again. Before long, your voicemail inbox looks like it’s under attack.
That’s exactly what Mike from Westport, CT, is dealing with right now. He wrote to us saying,
“I am so upset. Every 20 to 30 minutes, I am getting voicemails, but what’s weird is my phone never rings. After blocking the number, it just rolls over to a new source number. When I go to play the message, there is no audio. Is this a scammer just trying to get me to call them back? Not sure what the endgame is here. What can I do to stop this from happening? I really appreciate your help.”
What he is describing is something we’re seeing more often. It may feel random, but there’s a clear pattern behind this voicemail scam and here’s what you need to know to stay safe.
RECEIVING UNEXPECTED INTERNATIONAL CALLS? WHAT YOU NEED TO KNOW
Silent voicemail scams can flood a phone with blank messages even when the device never rings. (Getty Images)
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What the silent voicemail scam actually is
This tactic is often called a silent voicemail scam or ringless voicemail spam. Here’s how it works in plain terms:
- Scammers drop voicemail messages directly into your inbox
- Your phone never rings, so it feels strange and urgent
- The message is blank, garbled or extremely short
- The number changes constantly to avoid blocks
At first glance, it looks like a glitch. That confusion is the point.
What’s really happening behind the scenes
This pattern almost always points to automated robocall systems using caller ID spoofing, not real people manually calling you.
Here’s what’s likely happening:
- Automated dialing systems are repeatedly hitting your number
- They use spoofed or constantly changing caller IDs, which is why blocking one number doesn’t stop it
- Some calls connect briefly, then drop, leaving behind a silent or very short voicemail
- In some cases, the system is “pinging” your number to confirm it’s active
Once a number is confirmed as active, it can be shared across spam networks and used in future campaigns.
Why scammers leave empty voicemails
It seems pointless, but there’s a strategy behind it.
1) They want you to call back
Curiosity does the work for them. Many people return the call just to figure out what happened. When you call back, you may:
- Reach a premium-rate number that charges per minute
- Get routed into a scam call center
- Confirm your number is active and monitored
2) They test if your number is real
Even if you never call back, your voicemail confirms your number is in use. That makes it more valuable for future scams.
3) They try to bypass spam filters
Because your phone never rings, traditional call filters may not catch it. That lets more of these messages slip through.
Why do the numbers keep changing
You block one number, and another appears minutes later. That’s usually a sign of caller ID spoofing and number cycling. Scammers use software to falsify the number that shows up on your phone and rotate through large batches of numbers to stay ahead of blocks and spam filters. Some of those numbers may be completely fabricated, while others may belong to real people whose caller ID information is being misused. Many of those numbers are:
- Fake
- Reassigned or temporarily used
- Tied to real people who have no idea their number is being spoofed
Blocking a single number can still be worth doing, but it usually will not stop the campaign by itself because the caller can keep switching numbers.
GOOGLE SEARCH LED TO A COSTLY SCAM CALL
Scammers may use ringless voicemail spam and caller ID spoofing to test whether a phone number is active. (Getty Images)
Is your phone being hacked?
This is one of the first things many people worry about. In most cases, no. These silent voicemails are more likely to be part of a scam call or robocall campaign than a sign that your phone has been hacked. Scammers can use tactics such as caller ID spoofing and ringless voicemail to reach you without making the call feel normal.
The bigger risk isn’t your phone itself. It’s how the scam tries to get you to respond. Calling back, pressing prompts or engaging with the message can confirm that your number is active and may expose you to more scam attempts. The FTC specifically advises people to hang up or delete the voicemail and not call back unknown numbers.
How to stop silent voicemail scams
You don’t have to just put up with it. There are ways to reduce or stop these messages.
1) Do not call back unknown numbers
Even if it feels harmless, skip it. If it’s important, the caller will leave a real message.
2) Enable spam call filtering
On iPhone and Android, turn on built-in call filtering and silence unknown callers. This helps reduce future attempts.
How to enable spam call filtering
On iPhone (latest iOS)
Apple now gives you two strong options: Silence Unknown Callers and Call Screening.
Option 1: Silence unknown callers
- Open Settings
- Tap Apps
- Tap Phone
- Scroll down and turn on Unknown Callers
This sends calls from numbers not in your contacts straight to voicemail without ringing.
Option 2: Turn on Call Screening (recommended)
- Open Settings
- Tap Apps
- Tap Phone
- Scroll down and under Screen Unknown Callers, select Ask Reason for Calling
This feature prompts unknown callers to say who they are before your phone rings, which filters out many spam calls automatically.
Optional: Enable spam identification
- Go to Settings
- Tap Apps
- Tap Phone
- Tap Call Blocking & Identification
- Tap Business Call Identification
- Make sure it is set to ON
This allows your iPhone to show verified business names and logos for legitimate callers when available.
On Samsung
Samsung combines spam protection with AI call screening.
Settings and feature names may vary depending on your Samsung model, carrier and software version.
Option 1: Turn on spam protection
- Open the Phone app
- Tap the three-dot menu (top right)
- Tap Settings
- Tap Caller ID and spam protection
- Toggle it ON
This flags suspected spam calls before you answer.
Option 2: Block unknown callers
- Open the Phone app
- Tap the three-dot menu (top right)
- Tap Settings
- Tap Block numbers
- Turn on Block calls from unknown numbers
This stops hidden or unidentified numbers from ringing your phone.
Option 3: Enable Call Screen (best option)
- Open the Phone app
- Tap the three-dot menu (top right)
- Tap Settings
- Tap Bixby Text Call or just Text Call
- Toggle it ON
This lets your phone answer unknown calls with AI and show you what the caller says in real time.
One important reality check: Even with these turned on, some calls may still go to voicemail. That’s because voicemail is controlled by your carrier, not your phone.
HOW TO STOP SPAM MAIL, POLITICAL TEXTS AND EMAIL SPAM FOR GOOD
Unknown voicemail messages that contain no audio may be part of an automated robocall campaign. (Kurt “CyberGuy” Knutsson)
3) Use a call-blocking app
Apps can spot patterns faster than manual blocking and stop repeat offenders. Many of these apps can also identify known scam numbers and automatically block high-risk calls, helping reduce how often your phone gets hit.
4) Contact your carrier
Many carriers offer network-level spam blocking. Ask about tools that block ringless voicemail or robocalls.
5) Use a data removal service
If your number keeps getting hit, it may already be circulating on marketing lists or data broker sites. These data removal services scan for your personal information and help remove it from databases that scammers often tap into. Cutting down where your number appears can reduce how often you get targeted over time. 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
6) Report the activity
You can report unwanted calls and voicemails to the Federal Trade Commission at reportfraud.ftc.gov or by calling 1-877-FTC-HELP (1-877-382-4357). Reports help track and shut down large scam campaigns.
7) Protect your number going forward
Avoid posting your phone number publicly. The less exposure it has, the harder it is for scammers to target you.
8) Register your phone number on the National Do Not Call Registry at donotcall.gov/
This can help reduce telemarketing calls from legitimate businesses, but it unfortunately won’t stop scammers, illegal robocalls, or exempt organizations (like charities and political groups) from calling you. Scammers often ignore the registry and use tactics like number spoofing to bypass it. Want to know more about why your phone still won’t stop ringing and what you can do about it? Check out our article on the ‘Do Not Call’ list loophole.
Kurt’s key takeaways
Silent voicemails are designed to mess with your instincts. They rely on curiosity and confusion, not sophisticated hacking. The best move is simple. Don’t engage. Let them hit a dead end. Over time, that tells the system your number isn’t worth the effort.
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So here’s the real question: If scammers are counting on curiosity to hook you, how often do you think that instinct is working on other people right now? 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.
Technology
Xbox is now XBOX
Xbox just allcapsmaxxed: Meet XBOX. This isn’t a joke; Microsoft appears to be actually rebranding Xbox to XBOX. Asha Sharma, Xbox CEO, ran a poll on X earlier this week, asking fans whether Microsoft should use Xbox or XBOX. The results were in favor of XBOX, and the company has now renamed its X account.
Curiously, the Threads and Bluesky accounts for Xbox haven’t been renamed yet, but if Microsoft is going ahead with a rebranding then I expect those will change soon. I asked Microsoft to comment on this potential Xbox rebranding and the company simply referred me to Sharma’s post.
The use of all caps for Xbox is a return to original form, though. Microsoft’s first Xbox logo for its console was all caps, and the company has favored using similar capped versions for the Xbox 360, Xbox One, and Xbox Series X / S console logos.
The apparent rebranding comes just a few weeks after Sharma scrapped Microsoft Gaming and renamed Microsoft’s gaming division back to Xbox. It’s part of Sharma’s continued promise of a “return of Xbox,” which has involved fan-focused console updates, a new Xbox logo, Game Pass pricing changes, and lots more in recent weeks.
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