Technology
Why a credit freeze isn’t the end of identity theft
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Most U.S. data breach disclosures explain what information was leaked and any protective steps available to consumers.
At the federal level, the Federal Trade Commission advises that after a breach involving sensitive personal information, consumers may consider placing a credit freeze to help prevent new credit accounts from being opened in their name.
Many people place that credit freeze and assume they’re protected. But a credit freeze is not a comprehensive block against identity theft. It stops most new credit applications, but it doesn’t prevent the misuse of your Social Security number or account takeovers.
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A credit freeze limits access to your credit report, which can stop most new credit accounts from being opened in your name. (Felix Zahn/Photothek via Getty Images)
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What a credit freeze actually does
A credit freeze, also called a security freeze, limits access to your credit report at Equifax, Experian, and TransUnion. Under federal law, placing a freeze is free. When a freeze is in place, most lenders can’t access your credit file to evaluate applications for new credit cards or lines of credit. If a creditor can’t see your credit report, the application will usually be denied.
You can manage your credit freeze with each bureau individually. With Experian, for example, you sign in to your free online account at Experian’s credit freeze page and then place, lift, or schedule a thaw; you can also call Experian’s toll-free number (888-397-3742). If you plan to apply for credit, you must lift the freeze beforehand.
A credit freeze blocks most new accounts that require a credit check. It does not extend beyond your credit file.
Some identity protection services offer a credit lock feature that allows you to restrict access to your credit file through a mobile app. Like a freeze, it can limit new credit checks. The main difference is convenience, as you can typically turn it on or off quickly without logging into a bureau’s website or calling by phone.
Credit freezes can’t stop every form of identity theft
A credit freeze blocks new credit accounts, but it does not stop many common forms of identity theft that do not require a credit check.
- Account takeovers: If someone has access to an existing credit card or bank account, they don’t need to open a new line of credit. They can change the email address, phone number, or mailing address tied to the account and begin making charges.
- Tax identity theft: A fraudulent federal tax return does not need a credit check. If someone files a return using your SSN before you do, the IRS may reject your legitimate filing.
- Employment fraud: If your SSN is used for employment, it will not appear as a credit inquiry. Instead, the earnings may be recorded under your Social Security record.
- Government benefits fraud: Unemployment insurance and other state-administered benefits do not require a traditional credit check.
- Medical identity theft: A stolen identity can be used to get medical treatment. Bills may not appear until the provider sends the account to collections.
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Identity theft like tax fraud, account takeovers and government benefits abuse does not require a credit check. (iStock)
What happens when the fraud doesn’t involve a credit inquiry?
When identity theft happens outside the credit approval process, there is no automatic reversal. Each category of fraud is handled by a different agency or company.
- If a fraudulent tax return is filed, you must work directly with the IRS and submit Form 14039, Identity Theft Affidavit. The IRS may require identity verification before releasing a refund.
- If your SSN is used for employment, you must contact the Social Security Administration to correct your earnings record.
- If government benefits are fraudulently claimed in your name, the state agency is involved. There is no federal clearinghouse.
- If medical debt appears in collections, you must dispute it with both the provider and the collection agency, often in writing.
There is no single agency coordinating these corrections. You’re responsible for identifying the fraud, filing the appropriate reports, and tracking responses across agencies.
If a freeze isn’t the end, what is?
A credit freeze addresses risks tied to new credit applications. Identity theft often goes beyond that. Comprehensive identity protection typically includes credit monitoring across all three major bureaus, alerts for new inquiries or accounts, and monitoring for exposed personal information such as Social Security numbers, driver’s license numbers, passport details, email addresses, and passwords.
Some services also monitor public records, address changes, identity verification activity, and even suspicious financial transactions when accounts are linked. Early alerts can help you spot fraud before it spreads.
If identity theft does occur, recovery can be complicated. Some identity protection plans provide access to fraud resolution specialists who help contact creditors, place fraud alerts, dispute unauthorized accounts, and prepare required documentation. Many also include identity theft insurance to help cover eligible recovery expenses, such as lost wages or legal fees.
No service can prevent every form of identity theft. But layered monitoring, fast alerts, and guided recovery support can make the damage easier to contain and resolve.
See my tips and best picks on Best Identity Theft Protection at Cyberguy.com.
Kurt’s key takeaways
When fraud happens outside your credit file, you must work directly with each agency to correct the damage. (Leonie Asendorpf/picture alliance via Getty Images)
A credit freeze is a smart move after a data breach, but it is only one layer of protection. Many forms of identity theft do not involve a credit check, which means they can happen quietly and take time to fix. Real protection comes from understanding the gaps, monitoring your accounts, and acting quickly if something looks wrong. The more proactive you are, the easier recovery becomes.
Have you placed a credit freeze, and did you know it does not protect against every type of identity theft? Let us know your thoughts by writing to us at Cyberguy.com.
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Technology
Valve says it’s ready to launch the Steam Machine this summer
Valve now says that the delayed Steam Machine PC and Steam Frame VR headset are set to launch sometime this summer. In a Thursday blog post detailing its Verified programs for both pieces of hardware, Valve concludes by saying that “We’re excited for players to try your titles on the new Steam hardware once they launch this summer.”
When the company originally announced the Machine and Frame alongside its new Steam Controller late last year, it said that it would start shipping the new gadgets in early 2026. But in February, the company announced that the ongoing memory and storage crunch had forced it to revisit its pricing and shipping plans. And in March, Valve said in a blog post that it would be “shipping all three products this year” — though that was after the company initially said in the post that “we hope to ship in 2026,” which it removed in an update.
Valve opted to release the Steam Controller on its own, putting it up for sale in early May. For the Machine and Frame, while “summer” isn’t exactly a specific date, it narrows the window for when the products might finally come out.
Ahead of actually launching the devices, Valve is redesigning the Steam store and sharing information about the Verified programs for the hardware so that developers can prepare their games. Like with the Steam Deck, if a game is verified for the Machine or the Frame, the badge signals that the game should work well without any tweaks from the user.
For the Machine, the requirements for a game to be verified are “nearly identical” to what they are for the Steam Deck. With the Machine being “roughly six times as powerful” as the Deck, in theory, many more games will be verified for it. Valve also says that it’s testing “every title on Machine that fell below our performance requirements on Deck.”
For the Frame, Valve’s verified badge will signify games that run well while being played natively on the headset — as opposed to games that work well streamed to the headset, which the Frame is also capable of. “Like Steam Deck Verified, the Steam Frame Standalone Verified program focuses on the experience customers will have with the device out-of-the-box in standalone mode,” Valve says.
Now, we just need Valve to share exactly when the Steam Machine and Steam Frame will be released and how much they might cost. After last week’s price hikes for the Steam Deck, I’m gearing up for sticker shock.
Technology
Are humanoid robots now coming for retail jobs?
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Humanoid robots just got another real job. This time, they are clocking in behind the scenes at a major retail operation. Figure AI has signed a commercial agreement with Catalyst Brands. That is the company behind JCPenney, Aéropostale, Brooks Brothers, Eddie Bauer, Lucky Brand and Nautica.
The first rollout begins at Catalyst’s Reno, Nevada Distribution Logistics Center. So, no, these robots are not greeting shoppers or folding jeans in the store aisle. At least not yet.
For now, they are heading into warehouse and supply chain work. Still, the announcement has some people worried. Many see humanoid robots entering a workplace and immediately wonder what happens to human jobs. That concern is fair.
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Figure’s humanoid robots are starting behind the scenes in Catalyst Brands’ Reno warehouse, not on the store floor. (Figure AI)
Figure’s humanoid robots enter warehouse work
Catalyst Brands says Figure’s humanoid robots will help with supply chain work. The companies say the robots will focus on repetitive, physically demanding sorting and packing tasks. In other words, this starts with warehouse work that can wear people down over time. The robots will first assist with Catalyst’s Joey Pouch sorting system in Reno. That system helps with computerized induction, sorting and packing inside the facility. Catalyst says the Reno site also underwent a $40 million infrastructure update in 2024.
“As we invest in and scale our portfolio, this collaboration with Figure shows how emerging technologies can modernize our operations while strengthening our workforce,” said Marc Rosen, CEO of Catalyst Brands. “When we automate routine tasks, our associates can focus on higher-value work and better serve our customers across all our brands.”
So, this is happening behind the scenes in the warehouse, not on the store floor. That detail is important, especially because some online reactions made it sound like robots were already headed into retail stores. The announcement points to warehouse operations first. Still, warehouse jobs are real jobs. That is why this deal is getting so much attention.
Why the Figure AI and Catalyst Brands deal stands out
Catalyst Brands owns several major retail brands and operates a large retail network. Figure AI also describes this as a step toward deploying humanoid robots at scale, even though it has not said how many robots will be used.
There is also a financial connection behind the scenes. Brookfield is an investor in Figure AI and also has a stake in Catalyst Brands. Figure says this is the first commercial bridge between Figure and a Brookfield portfolio company.
If the robots perform well in Reno, the companies could look for more ways to use them across the business.
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The robots will first assist with repetitive sorting and packing work inside Catalyst’s updated distribution center. (Figure AI)
What Figure AI has not revealed yet
The announcement leaves out several key details. We do not know how many robots Figure AI will deploy. We do not know the exact start date. We also do not know whether Catalyst is buying the robots, leasing them or using a robots-as-a-service model. The companies have also not said how many human roles could change because of the rollout.
Figure AI says the robots are being integrated into Catalyst’s distribution facility and will focus on physically demanding work. However, the release does not spell out the exact jobs the robots will handle day to day.
That missing information gives people room to worry. It also gives people room to guess. And online, people did both. Some thought humanoid robots were coming straight into stores. Others focused on the bigger fear, which is that robots could take over jobs that people depend on.
Why humanoid robots make workers nervous
The fear around this deal goes beyond one company. Workers have already watched companies use AI to cut costs, slow hiring and reorganize teams. Now, physical robots are entering spaces where people lift, sort, pack and move products. That feels different.
Figure AI and Catalyst say the robots can handle routine tasks and help associates shift toward higher-value work. That sounds promising. However, workers may hear a very different message. They may wonder who gets retrained. They may also wonder who gets replaced. Companies cannot brush off those concerns. If humanoid robots are coming into more workplaces, workers deserve clear answers.
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The big question is whether humanoid robots will help workers handle tough warehouse tasks or eventually replace some of those jobs. (Figure AI)
Why retail companies want warehouse robots
Warehouse work can be tough on the body. People lift boxes, move products, repeat the same motions and race to keep up when orders spike. That is why retail companies are looking hard at automation.
Figure’s pitch is that humanoid robots can fit into places already built for people. They do not need a warehouse rebuilt from scratch. In theory, they can step into certain jobs and help with repetitive work.
For a retailer, that could mean products move faster, and workers face less physical strain. It could also help during busy shopping seasons, when distribution centers get slammed.
What to watch next with Figure AI robots
The next big signal will be whether Catalyst expands the robot program beyond Reno. A small rollout may be a learning test. A wider deployment would point to a much larger shift in how retailers move products.
Watch for details on robot count, job duties and worker impact. Those specifics will tell us more than anything else. Also, pay attention to how companies talk about employees. If they say robots will help workers move into better roles, they should explain exactly how that will happen. Workers deserve more than buzzwords.
What this means for you
These robots may start in a warehouse, but the ripple effect could eventually reach workers, shoppers and prices.
For shoppers, the upside is easy to see. If robots help move products faster, stores may have fewer empty shelves. Online orders could also move through warehouses more quickly.
For workers, it gets more complicated. Companies often say robots will take over the hardest tasks so people can move into better roles. That sounds good, but workers need more than a promise. They need training. They need clear answers. They also need to know whether a robot is there to help them or replace them.
And for the rest of us, this raises a bigger question. Are we comfortable with retailers using humanoid robots if it makes shopping faster or cheaper? Or do we want companies to prove that people are still part of the plan?
Kurt’s key takeaways
Figure AI’s deal with Catalyst Brands shows how quickly humanoid robots are entering our workplaces. For now, these robots are starting in a distribution center. They are not walking through the aisles at JCPenney. That distinction is important. Still, the bigger concern remains. People want to know whether these machines will help workers or slowly push them aside. Automation can reduce hard physical work. It can also create real fear when companies avoid direct answers. Humanoid robots may soon become a normal part of warehouse operations for retailers. The real test will be whether companies use them in a way that helps people, instead of treating people like a cost to cut.
Would you shop with a retailer that uses humanoid robots in its warehouses, or would that make you think twice? Let us know by writing to us at CyberGuy.com.
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Technology
Cyberdecks used to look like little laptops, but now they’re getting more personal
Tan and countless other DIYers are attracting millions of views showing off the personal computers they’ve built inside purses, jewelry boxes, toys, and old tech, hiding Raspberry Pi boards inside art projects.
Cyberdecks, but make it fashion
The colorful, quirky builds popping up across social media are a drastic shift away from the typical look the cyberdecks we’ve featured have had, which often consisted of a 3D-printed chassis or a rugged box like a Pelican case, usually with a cyberpunk-style design.
Inside, these homemade devices are essentially mini Linux computers for specific tasks, usually done offline, like reading, journaling, or listening to music. But now, a cyberdeck doesn’t have to look like a computer at all.
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