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Is your Social Security number at risk? Signs someone might be stealing it
With most of your life attached to these nine numbers, your Social Security number (SSN) is incredibly important to keep safe. That’s why it is crucial to pay attention to signs that your SSN may have been compromised. While preventing the misuse of your SSN is paramount, there are action steps you can take if it does fall into the wrong hands.
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There are steps you can take if your Social Security number falls into the wrong hands. (Kurt “CyberGuy” Knutsson)
Top signs someone might be using your Social Security number
Are you concerned that your Social Security number may have gotten into the wrong hands? Check below to see if you are experiencing any of these signs:
1) Changes to your credit report and score
Americans are granted free credit reports every 12 months from the three major consumer reporting companies. Regularly culling through these reports can help you spot potential fraud, which might signal that your Social Security number has been compromised. Any hard inquiries you didn’t request on your credit report are a strong indicator that someone tried to open a credit card or another line of credit with your SSN.
2) Changes to your Social Security statement
While most people know they should check their credit report and scores, you can see your Social Security statement by creating an account on the official Social Security Administration website. Because only one account can be created per SSN, it is safer if you claim it so that no one else can by piecing together your personal information (along with your SSN) to claim it fraudulently. Make sure it is connected to a secure email account that you check frequently. This account also provides up-to-date data on earnings and benefit distributions so you can see if anything is “off.”
You can see your Social Security statement by creating an account on the official Social Security Administration website. (Kurt “CyberGuy” Knutsson)
BEWARE OF THIS SOCIAL SECURITY SCAM BY CROOKS TRYING TO TRICK YOU
3) Strange or new mailings or calls from debt collectors and junk mailers
While it might seem natural to toss a pile of “junk” mailers or ignore calls from random debt collectors or advertisers, it may be an indicator that someone has gotten a hold of your Social Security number and has begun opening accounts under your number. It’s important to make note of the patterns and follow up with these collectors should it become more and more apparent that your SSN might have been misused. Oftentimes, consumers start getting more credit offers when new credit cards are opened. Additionally, if you start receiving bills under someone else’s name at your address, it might be time to follow up with these notices.
4) New notices from the IRS or other governmental agencies
If you start receiving notices about your Social Security number being used to file someone else’s taxes or inappropriately use your health insurance, it is definitely a sign that someone may have compromised your SSN. While receiving a notice from the IRS or Medicare can feel scary, it is imperative that you reach out to the corresponding agency to notify them of the fraudulent activity so that you can stop further damage.
Beware of new notices from the IRS or other governmental agencies. (Kurt “CyberGuy” Knutsson)
Top ways to keep your Social Security number safe
1) Sign up for a Social Security account
Go to the official Social Security Administration website to create an account, if you haven’t already.
2) Hide/keep safe your Social Security number card
Put your Social Security number card in a very safe place, such as a safe, bank safe or a filing cabinet that can be locked. Because it is used so frequently, those nine digits are worth memorizing. If your wallet is lost or stolen, and you keep your SSN card in there, it will be messier than losing just money or your ID. Don’t carry your Social Security card in your wallet or purse.
3) Go online
Skip jotting down your Social Security number on in-person forms. When your SSN is jotted down on paper, it is hard to control how the information gets used or disposed of. If you can submit forms online, you can skip the risk of having your SSN getting into the wrong hands. If you mail in forms that denote your SSN, you risk having that piece of mail stolen or lost.
4) Opt out of inputting SSN
Even though your SSN is requested on some forms, it is not always necessary. If a future employer is requesting your SSN, double-check why they need it. They would most likely need it to run a background check, which you should know about anyway. Additionally, some establishments allow you to provide the last four digits of your SSN until you are finalizing a screening process, etc.
5) Combat child identity theft
Open accounts for your children’s Social Security numbers because you want to claim them for them early and be able to monitor any movement related to their SSN.
6) Secure documents
Some records that contain your Social Security number are important to keep on hand, such as income tax filings. If they are kept digitally, encrypt and or password-protect the document or folder, especially if it is uploaded to the cloud. Keep offline documents with SSNs in a safe or shred instead of throwing them away.
Remember you (usually) only get one SSN in a lifetime, it is important to safeguard that data with your “life.”
7) Remove your personal information from the internet
Removing your personal information from the internet, given the increasing privacy concerns about artificial intelligence, is essential. Data removal services can help protect your Social Security number by systematically erasing your details from websites, thus reducing the risk of identity theft.
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 here.
8) IRS identity protection PIN (IP PIN)
To further protect your tax returns from identity theft, the IRS offers an identity protection PIN (IP PIN). This is a six-digit number that prevents someone else from filing a tax return using your Social Security number or individual taxpayer identification number. The IP PIN is known only to you and the IRS, adding an extra layer of security to your tax filings.
How to get an IP PIN
- Online request: The fastest way to receive an IP PIN is to request one through your online account on the IRS website. If you don’t already have an account, you must register to validate your identity.
- Alternative methods: If you can’t establish an online account, there are other methods, but they take longer. You can file an application or request in-person authentication.
Using your IP PIN
- Enter the six-digit IP PIN when prompted by your tax software or provide it to your trusted tax professional when filing your return.
- An IP PIN must be used on all federal tax returns during the year, including prior year returns.
- Do not reveal your IP PIN to anyone except your tax professional when you are ready to sign and submit your return.
Important information
- An IP PIN is valid for one calendar year, and a new one is generated each year.
- If you lose your IP PIN, you can retrieve it online or have it reissued by calling the IRS.
By using an IP PIN, you can significantly reduce the risk of tax-related identity theft and ensure that your tax returns are processed smoothly and securely.
9) Recognizing and reporting a Social Security scam
If there is a problem with a person’s SSN or record, Social Security will typically mail a letter. You can learn more about recognizing Social Security-related scams, including how to report a scam quickly and easily online to Social Security’s Office of the Inspector General, by reading more at www.ssa.gov/scams.
Image of a lock on Social Security cards (Kurt “CyberGuy” Knutsson)
What to do if you think your Social Security number has been compromised?
If you noticed any of the signs listed above that indicate that your Social Security number may have been compromised, below are action steps you can take:
1) Reach out to the Social Security Administration immediately: Call them at 1-800-772-1213 to put an electronic block on your SSN.
2) Contact the three main credit bureaus to freeze your credit: This will prevent anyone, including hackers, from wreaking havoc on your credit. Make sure to report any errors on your credit reports with the credit agencies as well.
3) File a report with the local authorities as well as the Federal Trade Commission.
4) Submit a Social Security fraud report online or call the SSA’s Office of the Inspector General at 1-800-269-0271. They can help investigate any Social Security-related fraud.
5) Use an identity theft protection service: Identity theft companies can monitor personal information like your Social Security number, phone number and email address and alert you if it is being sold on the dark web or being used to open an account. They can also assist you in freezing your bank and credit card accounts to prevent further unauthorized use by criminals.
One of the best parts of using some services is that they might include identity theft insurance of up to $1 million to cover losses and legal fees and a white-glove fraud resolution team where a U.S.-based case manager helps you recover any losses. See my tips and best picks on how to protect yourself from identity theft.
HOW DATA BROKERS ARE FUELING ELDER FRAUD IN AMERICA
Because your Social Security number has such a significant impact on your life, it is important to pay attention to any signs that it has been compromised and misused. While it may feel overwhelming to see any of these signs that your SSN might be compromised, it’s important to know there are steps you can take to protect yourself moving forward. While paying regularly for fraud protection services may seem like an unnecessary expense when you’re not presently dealing with identity or credit issues, a fraud protection service subscription can help you focus on your present moment instead of worrying about what a criminal might do with your SSN. And if something does happen, you have people in your corner to help you through the process. What additional steps do you think government agencies should take to enhance the security of Social Security numbers? Let us know by writing us at Cyberguy.com/Contact.
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Kurt’s key takeaways
These days, it seems I cannot escape peptides. Online, I’ve been assaulted by videos of shirtless Chads injecting dubiously sourced bottles of the so-called “Wolverine stack.” On the New York City subway, I’m haunted by Serena Williams’ Ro ads for easy GLP-1 access. Silicon Valley seems to be a parade of peptide parties. In Washington, RFK Jr. has said he’s pro-peptide and wants to expand access. In July, the FDA will meet to possibly reclassify 14 peptides so they can be eligible for compounding.
And in Hollywood, Gwyneth Paltrow — mother Goop, one of the original wellness influencers — is selling a series of peptide skincare products. Except, after some research, I’m not sure Paltrow actually understands what peptides are.
You might be wondering why I’m fixating on a Goop product in Optimizer. The short answer: While researching peptides for a forthcoming feature, I’ve descended into madness.
The longer answer is that peptide mania is central to Silicon Valley’s current fixation with longevity and metabolic optimization. As I’ve recently written, wellness trends increasingly inform new health tech features and gadgets that make up the wearable surveillance state. Peptides are also being framed on social media as an innovation that democratizes healthcare. (A similar rhetoric used to describe wearables!) It’s part of the wellness Wild West feedback loop that’s fueling Silicon Valley’s obsession with self-optimization. With that in mind, it’s worth examining how “peptide washing” has crept into various corners of the internet — and the resulting ripple effects.
While peptide shots are a relatively new trend, we’ve known about peptides and how they work for decades. They’re short chains of amino acids, which, in turn, make up proteins. In other words, building blocks for the building blocks. Because a peptide can be a chain ranging from two to roughly 100 amino acids, there are potentially trillions of peptides. Their main function is to act as messengers for various bodily functions. Some are naturally occurring and often come from the foods you eat. Others are made synthetically in a lab. The most famous ones include insulin and GLP-1 medications like semaglutide (Ozempic and Wegovy) and tirzepatide (Zepbound and Mounjaro).
What’s taking social media by storm are peptides that exist in legal gray areas. They’re not widely tested or FDA-approved drugs, and are sometimes sourced from dubious suppliers. I’ve previously written about retatrutide — another popular weight loss peptide — in Optimizer, but there’s a whole slew of others with names that sound vaguely like Star Wars droids. The most popular ones include BPC-157, TB-500, GHK-Cu, and CJC1295. These peptides are touted as biohacks for ailments ranging from fat loss and muscle growth, to faster wound healing, anti-aging, and increased energy. Essentially, everything associated with living a longer, healthier life. Lumped alongside these is NAD+, which is not a peptide but is often marketed as one. That’s partly because it’s frequently consumed as an IV drip and is thus an injectable substance.
But just because you can inject something, that doesn’t make it a peptide.
Do you have experience using peptides?
Or extremely strong feelings about this trend? I’m researching this phenomenon and I’d love to chat with you. Hit me up at victoria.song@theverge.com or on Signal at @ vicmsong.14.
NAD stands for nicotinamide adenine dinucleotide. It’s a coenzyme — basically an enzyme booster — that’s found in every cell. Its primary job is to help convert food into energy. It does this by shuttling electrons from one chemical reaction to another. As you age, your NAD levels naturally decline. This can lead to an array of conditions associated with aging, like Type 2 diabetes, lower energy levels, and saggy skin. Not to get too weedsy, but the + in NAD+ simply denotes one of two versions of the NAD molecule. (The other is NADH.)
Which, finally, brings me to the Goop Youth Boost NAD+ Peptide Rich Cream and whether Gwyneth Paltrow actually knows what a peptide is.
In my research, I was looking into influential people who have spoken out about peptide injections. There’s a long list, but in Hollywood, Paltrow’s name kept popping up. Cue this recent Elle interview, in which Paltrow plays a “fuck, marry, kill” game with wellness trends.
From the get-go, the Elle article incorrectly identifies NAD+ as a peptide. Paltrow is then quoted as saying she uses NAD+ IV drips and an injectable NAD+ pen for impromptu energy boosts. She goes on to say that injectable peptides dealing with inflammation and brain health that are “being formulated for longevity” will be the next NAD+. In the fuck, marry, kill game, Paltrow is asked to choose between NAD+, B12, and peptide shots. She refuses, saying she’d marry them all.
What’s worrisome is the conflation of these treatments, even though they’re three separate things. It’s easy for the average person to read this article and think, “NAD+ is a type of peptide shot and a rich, glamorous celebrity like Gwyneth Paltrow does it, so this must be their secret to looking good.”
(For the curious: B12 is a vitamin. Supplementation can boost energy if you have a B12 deficiency, which is relatively common in the elderly, vegetarian, and vegan populations. As for NAD+, there’s considerable research interest, but limited clinical evidence for drips or supplements at the moment. I wrote a whole Optimizer newsletter about dubious peptide shots.)
From this interview, I get the sense that Paltrow knows that peptides are trendy, but she doesn’t actually admit to using any specific one. After some more digging, I found she has stated that she loves glutathione IV drips. Now, that is a peptide. However, she characterized her usage as “I love IV drips!” so, again, I’m not sure if Paltrow is aware that IV drips and peptides are not the same thing. Upon looking into her “peptide-rich” moisturizer, I’m even less certain.
Calling it a “Youth Boost NAD+ Peptide Rich Cream” would suggest this $105 moisturizer has both NAD+ and a bunch of peptides. Peruse the ingredient list, and you’ll find it doesn’t even have NAD+. It has NMN, or nicotinamide mononucleotide, a precursor (another kind of building block) for NAD+. As for its peptide content, the marketing claims the cream features “biomimetic plant-derived peptides.” Again, the list only refers to one true peptide molecule: arginine/lysine polypeptide. (A polypeptide is a longer peptide; this one supposedly helps with wrinkles.) It also appears last. In skincare, the ingredient list is generally ordered in terms of concentration. The top three to five ingredients make up the bulk of the formula. One hack is to find the so-called “one percent line”, which you can estimate from when the first preservative or fragrance appears. Given how this list is written, this is a standard moisturizer with a teeny sprinkle of a single peptide thrown in for marketing flavor. Even if there was a more potent amount, peptides are delicate molecules. Effectiveness for any topical skincare active — be it peptides or salmon sperm DNA — depends on stable formulation, concentration, whether the molecule can penetrate the skin barrier, and packaging that prevents degradation.
In any case, I reached out to Goop to clarify the peptide content in this cream. I have not heard back.
The only thing I can conclude is Paltrow isn’t afraid to try fringe wellness trends. (That and she loves an IV drip.) If someone handed her a peptide shot with the promise of energy and youth, I’d bet she’d do it. But do I think a peptide-curious person could ask her to explain the pros and cons of this trend based on her public statements? Now that’s a bet I would not take.
I could be wrong. In which case, I find her statements and her moisturizer to be disappointing given her status and influence. Case in point, the average person likely isn’t going to go through the trouble of accessing gray market peptide vials. They probably won’t be able to afford the same quality treatments as Paltrow, either. But a so-called peptide cream from a celebrity? That’s easily accessible. And in this particular case, that consumer wouldn’t be getting much of the thing they purportedly want to try.
More concerning is the flattening of any injectable as a peptide. Paltrow showing up to a podcast with an IV drip, speaking of peptides, phospholipids, and regular vitamins in a single breath? That’s confusing. It conflates relatively harmless therapies — like vitamin supplementation — with those that aren’t as well-studied. And the more influential people do this, the more regular people will too.
Peptides aren’t inherently dangerous. Injections aren’t evil. But the way peptide mania has made a more extreme, experimental trend as casual as taking a multivitamin? That feels like the slipperiest of slopes.
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A new move from the Federal Communications Commission is being framed as a national security step. But if you already have a router at home, the bigger question is simple: how long will it keep getting security updates?
The FCC recently updated its “Covered List” to include routers produced in foreign countries, which blocks new models of that covered equipment from being approved for sale in the U.S.
At the same time, the FCC made something else clear. This change does not affect routers you already own, and it does not stop retailers from continuing to sell models that were previously approved.
So nothing shuts off overnight. However, the policy introduces a new layer of uncertainty around how long some devices will continue receiving updates.
IS YOUR HOME WI-FI REALLY SAFE? THINK AGAIN
The FCC’s router move targets future approvals, not the device already running your home Wi-Fi. Existing models can still be used and sold while update rules keep evolving. (kazakova0684/Getty Images)
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What the FCC router rule actually changed
The policy focuses on future device approvals, not the devices already in your home.
Here is what the FCC says in plain terms:
- Existing routers can still be used
- Previously approved models can still be sold and imported
- New covered models cannot receive FCC authorization
This action is tied to national security concerns about supply chain risks, not a product-by-product security test of individual routers. The key takeaway is this: your current router is not banned, recalled or disabled.
Why the FCC router rule raises update concerns
The real issue is not about using your router today. It is about future software and firmware updates. Alongside the policy change, the FCC issued a temporary waiver. That waiver allows existing routers to continue receiving updates that patch vulnerabilities, maintain functionality and ensure compatibility with operating systems. Right now, that waiver runs through at least March 1, 2027.
That date is not a guaranteed cutoff. The FCC has said it will re-evaluate the policy before then and may extend or modify the waiver. So the situation is still evolving.
How the FCC router rule could affect your router security
Your router is the gateway to everything connected in your home. Phones, laptops, smart TVs and cameras all depend on it. When a vulnerability is discovered, a software update is usually what fixes it.
If updates slow down or stop, the risk builds over time. That does not mean your router suddenly becomes unsafe. But it can become easier for attackers to exploit known flaws.
Even the FCC acknowledged this in its waiver, noting that continued updates help mitigate harm to consumers and support essential security functions. So the concern is not immediate. It is about what happens over time if support policies change.
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The FCC says home routers already in use can stay in use, but future support for some models now depends on waivers and conditional approvals. (deepblue4you/Getty Images)
Why the FCC is making exceptions for some routers
One important wrinkle is that the FCC has already begun granting conditional approvals for some devices. In April 2026, the agency approved certain products from NETGEAR and Adtran to continue operating under specific conditions through October 1, 2027.
That shows this is not a one-size-fits-all rule. Instead, it is an evolving policy where some devices may continue receiving support while others may face tighter restrictions.
What the FCC says about router risks and next steps
The FCC says the decision is based on national security concerns, including supply chain vulnerabilities and potential cybersecurity risks tied to certain foreign-produced equipment.
At the same time, the policy includes a path for exceptions. Companies can seek conditional approvals through federal agencies, and regulators can revisit the rules as more information becomes available.
That means the final impact will likely depend on how those decisions play out over time.
8 ways to protect your network after the FCC router rule
Until there is more clarity, a few simple steps can help keep your home network secure.
1) Check how long your router is supported
First, find your router’s exact model number. You can usually see it on a label on the bottom or back of the device. Next, go to the manufacturer’s website, such as NETGEAR, Linksys or TP-Link, and search for that model. Open its support page and look for sections like Support, Downloads, Firmware or End of Life. Then, check for a support timeline, the date of the most recent firmware update or any notes saying the product is no longer supported. If you cannot find clear information, that is a warning sign that your router may not receive regular security updates.
2) Keep your router updated
Next, log into your router settings. To do this, open a web browser and type your router’s IP address into the address bar. Common ones include 192.168.1.1 or 192.168.0.1. Then sign in using your admin username and password. Once you are in, look for sections labeled Firmware, Software Update or Administration. Check for available updates and install them if needed. If your router supports automatic updates, turn that on. This helps close security gaps quickly without you having to check manually. If you are not sure where to find these settings, you can also use your router’s mobile app if it has one, which often makes updates easier.
GET FASTER WI-FI WITH THESE SIMPLE HOME FIXES
Security updates remain the key protection for home routers as the FCC blocks new authorizations for covered foreign-produced models. (Kevin Dietsch/Getty Images)
3) Plan ahead for replacement
If your router is already a few years old, start planning for a replacement. Do not wait until updates stop. Instead, look for models with clearly stated support timelines. Check out our picks for the Top Routers for best security at cyberguy.com
4) Secure your devices as a backup layer
Your router is the first line of defense. However, your devices matter too. Keep your phone, computer and tablet updated. Also, use strong antivirus software to help catch threats that slip through. Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android & iOS devices at Cyberguy.com
5) Review connected devices
From time to time, check what is connected to your network. You can do this in your router settings under “Connected Devices” or in your router’s app. If you see anything unfamiliar, remove it right away.
6) Use strong passwords
Create a strong Wi-Fi password and a separate admin password for your router. Avoid using default credentials. A password manager can help you generate and store secure logins. Check out the best expert-reviewed password managers of 2026 at Cyberguy.com
7) Turn off remote access
First, log into your router settings using a web browser. Type your router’s IP address, such as 192.168.1.1 or 192.168.0.1, into the address bar and sign in with your admin credentials. Next, look for settings labeled Remote Access, Remote Management, Web Access from WAN, or Cloud Access. These are often found under sections like Advanced, Administration or Security. Then, turn that setting off and save your changes. This prevents your router from being accessed from outside your home network. If you cannot find the option, check your router’s mobile app or the manufacturer’s support page. Some routers hide this setting or disable it by default.
8) Restart your router regularly
First, unplug your router from the power outlet. Wait about 30 seconds to let it fully shut down. Next, plug it back in and wait a few minutes for it to reconnect to the internet. You can also restart your router through its settings. Log in, then look for options like Reboot or Restart under sections such as Administration or System. Doing this every few weeks can help apply updates and clear temporary issues that may affect performance or security. If your router supports scheduled reboots, you can turn that on to automate the process.
Kurt’s key takeaway
This is not a situation where your internet suddenly becomes unsafe. There is no recall. There is no shutdown. Your router will not stop working on a specific date. However, there is a new question mark that did not exist before. The Federal Communications Commission has created a system where future updates for some devices could depend on how the rules evolve. That puts more importance on something most people rarely think about: how long their router will stay supported. For now, you still have time. The current waiver runs into 2027, and regulators have signaled they may revisit the policy before then. The smart move is simple. Know what you own, keep it updated and stay aware as this situation develops.
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As policies around your home tech change, how much responsibility should fall on regulators versus the companies that keep your devices updated? Let us know by writing to us at Cyberguy.com
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On or about January 6, 2026, for example, VAN DYKE asked Polymarket to delete his Polymarket account, falsely claiming that he had lost access to the email address to which the account had been associated. That same day, VAN DYKE changed the email registered to his cryptocurrency exchange account to an email address that was not subscribed to in his name, which email address was created on or about December 14., 2025.
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