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.
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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.
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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
Of course Meta thinks gambling is the future
Meta is, by and large, a company built on other companies’ ideas. It has almost perfected the strategy: wait for a new platform or social mechanic to take off, then either buy or clone it, put it next to Meta’s unmatched user base and advertising engine, and watch the money pile up. Well, the next big thing appears to be turning everything into gambling. So why wouldn’t Meta make a Polymarket?
On this episode of The Vergecast, David and Nilay discuss the reported prediction market app being built inside Meta, plus the company’s onslaught of other news this week — and its massive, apparently increasing morale problems. Nilay’s at Cannes Lions in France this week, where Meta’s advertising prowess is on full display, and yet it also feels like Meta is in crisis. So which is it? And what is your Facebook feed about to become?
Technology
World Cup ticket scams target desperate fans
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You finally find World Cup seats that fit your budget. The site looks polished. The ticket has a QR code. The seller says someone else wants them, so you need to move fast. That is exactly the moment scammers are counting on.
The 2026 FIFA World Cup runs through July 19, 2026, across the United States, Canada and Mexico. With the tournament underway, fans are still hunting for last-minute seats. Meanwhile, fraudsters are using fake ticket listings, spoofed FIFA websites, social media posts and artificial intelligence-made scams to steal money and personal information.
This scam hits differently because the purchase feels emotional. Maybe you are planning a once-in-a-lifetime trip. Perhaps the tickets are a surprise for your child or grandchild. Or maybe you are trying to turn a match into a memory your family talks about for years. That is why knowing where these scams show up, and how they pressure fans, can save you from a painful and expensive mistake.
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A Cape Verde fan attends the 2026 FIFA World Cup Group H match between Uruguay and Cape Verde at Miami Stadium in Miami on June 21, 2026. (Craig Williamson/SNS Group)
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World Cup ticket scams are surging during the tournament
The tournament’s timing, ticket demand and last-minute pressure are giving scammers exactly what they need. World Cup tickets are expensive. Demand is intense. Many fans waited until the tournament started to look for seats. That creates the perfect opening for criminals.
Scammers love urgency. A sold-out match makes people panic. A lower price can feel like luck. A countdown timer can make you ignore the little things that feel off.
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The FBI has already warned that cybercriminals are creating fake FIFA websites. These sites copy FIFA branding, official-looking pages and ticket language. Some fake domains look close enough to fool a fan checking from a phone.
The FBI also said scammers may use these fake sites to collect names, home addresses, phone numbers, email addresses and banking information. That is important because this scam can go beyond one bad ticket purchase. Once criminals have that personal information, they can try to open accounts in your name. They can also target you with more believable scams later.
The real FIFA ticketing page is the safest place to start, since scammers are creating spoofed sites that look official. (Elisa Schu/Picture Alliance via Getty Images)
Fake FIFA websites can steal more than ticket money
A fake ticket site can look official while quietly collecting your payment details and personal information. The safest move is also the easiest one to overlook. Type FIFA.com directly into your browser. Then go to the official ticketing page from there.
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Do not rely on a search ad. Do not trust a link in a text. Be careful with links in Facebook groups, WhatsApp chats or emails that claim to offer verified seats. Scammers can buy ads. They can clone logos. They can copy the feel of an official checkout page. A fake page may even have clean writing and a professional design.
That means the old scam clues may not show up. You may not see misspelled words or strange graphics. The fake page may look good enough to pass a quick glance. Before you enter payment details, slow down and look at the address bar. The official FIFA site should use FIFA.com. If the domain includes extra words, odd spellings or a different ending, back out.
FBI lists fake FIFA domains to watch for
The FBI named examples of spoofed FIFA domains so fans can see how small changes can make a fake page look official.
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The FBI says more fake websites may appear leading up to and throughout the 2026 World Cup. These examples have already been identified:
- www.fifa[.]cab
- www.fifa[.]pink
- www.fifa[.]blue
- www.fifa[.]pub
- FIFA[.]city
- Fifa[.]bio
- fifa[.]beer
- fifa[.]click
- fifa[.]cam
- fifa[.]ceo
- fifa[.]help
- filfa[.]org
- fifa-online[.]com
- https://fifa-2026[.]xyz
- jobs-fifa[.]com
- fifa-hr[.]com
- fifa-careerhub[.]com
- fifaworldcup-careers[.]com
- fifa-hiring[.]com
- fifahiring[.]com
- fifa-ticket[.]live
- fifastore.us[.]com
- fifaworldcup26[.]sale
- fifaworldcup26.xcover-staging[.]com
- worldcup2026-tickets.com[.]mx
- worldcup26ticket[.]com
- 2026fifaworldcuptickets[.]online
- fwc2026[.]net
- fwc2026.web[.]app
- www.fifa2026p[.]com
- fifa2026fworldcup[.]com
- wvvw-fifa[.]com
- ww-fifa[.]com
- fifa-com[.]com
- www.fifa-com[.]services
- quiniela-fifa-2026.pages[.]dev
Notice the patterns. Some domains use strange endings. Others add words like “ticket,” “career,” “hiring” or “World Cup.” A few rely on tiny spelling tricks, such as changing “www” to “wvvw.” The FBI calls this typo squatting. That means scammers count on people making small typing mistakes or clicking links too quickly.
AI ticket scams make fake listings look legitimate
Artificial intelligence is helping scammers make fake ticket pages, emails and seller messages feel more believable. Fake pages can now have polished copy, realistic customer service language and smooth checkout prompts.
Scammers can also create fake confirmation emails that look like they came from a real ticketing company. They can generate ticket screenshots, QR codes and fake order pages in minutes. That means a nice-looking QR code proves very little. So does a screenshot of a ticket.
A scammer can copy a real-looking image, edit it and send it to several buyers. By the time fans find out, the seller may be gone. The real test is whether the ticket transfers through the official channel. For World Cup tickets, that means using FIFA’s official ticketing system or official resale marketplace.
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If a seller refuses to transfer the ticket through the proper platform, walk away. A screenshot should make you more suspicious, not more comfortable.
World Cup resale problems are already hitting fans
Even fans who use known resale platforms can end up with refunds instead of seats. Bina Ramroop reportedly bought World Cup tickets through StubHub for her grandson’s 13th birthday. She paid $485 per ticket for Spain versus Cape Verde in Atlanta. When she arrived, the tickets would not transfer into the FIFA ticketing app. StubHub offered a refund. However, she wanted the experience, not the money back.
Another fan, Pape Ndaw, reportedly bought tickets in December for about $550 each. Two days before a June 14 match near Dallas, he received a message saying the seller could not deliver. He later found last-minute seats going for more than $1,500 each.
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Then there was Patrick O’Neil’s family. They traveled to Atlanta after buying five tickets through StubHub. Two tickets transferred. Three never arrived. Some family members went in, while the others watched nearby.
These examples show the ugly part of the resale market. Even a known platform may leave you with a refund instead of a seat. That may not help after you have paid for flights, hotels and time off.
Social media World Cup ticket deals carry big risks
Ticket offers on Facebook Marketplace, X, Reddit, Telegram and WhatsApp can look more trustworthy than they really are. A scammer may use a real-looking profile photo, a friendly message and a believable excuse.
They might say a family member got sick. They could claim their group has extra seats. Or they may tell you they “just want a real fan to go.” That story could be true. However, it could also be bait.
The biggest warning sign is when the seller pushes you away from a protected checkout system. If they ask for Zelle, Venmo, Cash App, wire transfer, gift cards or crypto, your risk jumps fast. Those payments can be hard to reverse. In some cases, you may have no easy way to get your money back.
Also, watch for pressure. A legitimate seller may want to move quickly, but a scammer wants you to stop thinking, so you send money before checking the ticket, the transfer method or the website.
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How to spot a World Cup ticket scam
These warning signs can help you pause before a fake seller turns your excitement into a costly mistake.
1) Check the website address before you click
Look closely at the domain. The FBI says scammers use typo squatting, which means they rely on small spelling changes or fake web endings to trick people. For example, a fake site may use an extra letter, a strange ending or words like “ticket,” “career,” or “World Cup” to look official. The real FIFA website should be entered directly as www.fifa.com. If the link looks different, back out before entering your name, payment details or login information.
2) Watch the ticket transfer method
A real ticket should transfer through the official ticketing system. A screenshot, PDF or QR code image should not be enough. If the seller refuses to use the official transfer process, end the conversation.
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3) Avoid risky payment requests
Be careful if a seller asks for peer-to-peer payment apps, crypto, gift cards or a wire transfer. A credit card often gives you stronger fraud protections. Also, keep the transaction inside a trusted platform whenever possible.
4) Question the bargain price
A seat far below the going rate may be bait. Scammers know fans are searching for one lucky break. Compare the price with official listings and trusted resale options. If the gap feels huge, treat it as a warning sign.
5) Slow down when the seller adds pressure
Scammers love phrases like “last chance,” “someone else wants them” or “pay now.” Take a breath before you pay. A few extra minutes can save your money, your trip and your personal information.
Scottish fans took over Ocean Avenue in Miami’s South Beach. (Photo by Ryan McDougall/PA Images via Getty Images)
What to do before buying World Cup tickets
A few checks before checkout can help you avoid fake tickets, bad transfers and stolen account details.
1) Start with FIFA’s official ticketing page
Go directly to FIFA’s official site and navigate from there. Avoid sponsored search results for tickets. The FBI has warned that paid imitators can try to pull fans away from the legitimate site.
2) Bookmark the real FIFA site
After you reach the real FIFA website, save it as a bookmark or favorite. That gives you a safer way back later. Also, be careful with FIFA subdomains. The FBI says fans should navigate to subdomains, such as plus.fifa.com, directly from the official FIFA homepage instead of typing them from memory.
3) Be careful with ads
Exercise caution when clicking ads for tickets, hospitality, merchandise or jobs. Before you click an ad, check the URL. Some malicious ads may display one website but send you somewhere else.
4) Use safer payment options
Use a credit card when possible. It may give you more options if something goes wrong. Do not send money to a stranger through Zelle, Venmo, Cash App, wire transfer, gift cards or crypto.
5) Protect your accounts before checkout
Use a password manager so fake sites do not trick you into reusing passwords. Turn on two-factor authentication (2FA) for your email, FIFA account and payment accounts. That adds another layer if scammers get your password.
6) Keep proof before you travel
Save emails, receipts, transfer confirmations and seller messages. Before you leave for the stadium, confirm that the ticket appears in the official ticketing app or platform. Do not wait until you are standing at the gate.
What to do if a World Cup ticket scam hits you
Fast action can limit the financial damage and reduce the risk of identity theft.
1) Contact your bank or credit card company
Explain what happened and ask what options you have to dispute the charge or block further payments.
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2) Change your passwords
Change the password for any account tied to the transaction. Start with your email because scammers often use it to reset other logins. Use a password manager to create strong, unique passwords for your FIFA account, email, banking apps and any account where you reused the same password.
3) Turn on two-factor authentication
Turn on two-factor authentication (2FA) if you have not already. Start with your email, banking apps and any account tied to the fake ticket purchase.
4) Save the evidence
Keep screenshots, emails, seller profiles, payment receipts and website addresses.
5) Check your device
Run strong antivirus software if you clicked a suspicious link or downloaded anything from a fake ticket site. A scam page may try to steal more than payment details. Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android and iOS devices at CyberGuy.com.
6) Reduce your personal information online
A data removal service can help reduce how much personal information scammers can find about you online. That can make future impersonation attempts 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.
7) Report the scam to the FBI
Report the fake site or seller to the FBI’s Internet Crime Complaint Center at IC3.gov. Include the fake domain, a description of what happened, what information you entered and any payment details. If money changed hands, include the payment date, amount, payment type, account numbers involved and any receiving bank or crypto wallet details you have.
8) Freeze your credit if sensitive information was exposed
If you entered sensitive personal details, freeze your credit. Then watch for new accounts or hard inquiries you do not recognize.
Kurt’s key takeaways
World Cup ticket scams are getting harder to spot because fake sites now look clean, polished and believable. AI makes that problem worse. The safest route is still FIFA’s official ticketing system. If you buy anywhere else, understand the risk before you pay. A screenshot or QR code does not prove that a ticket will get you into the stadium. The transfer needs to happen through the official platform. Do not let urgency make the decision for you. Scammers want you to be rushed and emotional. If a deal feels too easy, take a breath and check the source. The few minutes you spend verifying the ticket could save your money, your trip and your personal information.
Would you risk buying a last-minute World Cup ticket from a stranger online if the deal looked almost too good to pass up? Let us know by writing to us at CyberGuy.com.
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Copyright 2026 CyberGuy.com. All rights reserved.
Technology
Android 17’s new foldable gaming mode could make flippy phones more fun
Android 17 is getting a dedicated gaming mode for foldables that will put a virtual gamepad with touch controls on half of your screen to theoretically make it easier to play games.
With foldable gaming mode, which is set to launch in the coming months, the virtual controller emulates physical button presses at a system level and is designed to work “with any game that supports physical controllers,” says Google’s Mishaal Rahman on Reddit. For the actual inputs, the virtual controller will have a D-pad; left and right virtual sticks; A, B, X, and Y buttons; L1, L2, L3; R1, R2, and R3; and a start button. And you’ll be able to configure the gamepad in several ways, such as keeping the virtual joysticks inline or staggered from each other, scaling the size of the buttons, and toggling haptics on or off.
Turning on the mode “is as simple as unfolding your device, either before or after launching a compatible game,” Rahman says. You can also choose to hide the gamepad, and if you connect a physical controller, the virtual gamepad will turn off on its own.
“Android allows you to play a wide variety of games on the go,” says Rahman. “While touch controls work incredibly well for many titles, certain games are better enjoyed with physical gamepads. The problem is that carrying a Bluetooth controller or a snap-on gamepad with you everywhere isn’t always convenient. We want to bridge that gap, and we’re addressing it with a new feature in the Android 17 platform release that’s specifically tailored for foldable devices.”
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