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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RAMageddon has come for computers. The price of memory chips, hard drives, and solid state storage has skyrocketed. That’s led to price increases on desktop and laptop RAM, SSDs, spinning hard drives, and pretty much everything that uses any of those things. Consoles are more expensive. Desktops are more expensive. Laptops are more expensive. Tablets and phones are more expensive. Even MacBooks, which started out expensive but then started looking like a pretty good deal, just got more expensive.
All that sucks. But if (if) there’s a silver lining, it’s that most of the stuff you plug into a computer — keyboards, mice, webcams, monitors, and so forth — isn’t getting bananas expensive. Actually, there are some good deals out there.
Great keyboards on the cheap
Hot deals on mice in your area
Monitors to watch (get it?)
Cases and stands, hubs and docks, and other stuff
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Robots have gotten very good at moving fast, repeating steps and doing jobs that would wear you and me out. But ask a robot to pick up something delicate, oddly shaped or slightly different from the last item it handled, and things can get a little complicated quickly.
That is where a new collaboration between ABB Robotics and PSYONIC comes in. ABB Robotics is working with PSYONIC, a California bionics company, to explore whether real-world touch and motion data from human prosthetic use can help train robotic arms.
In other words, the same kind of bionic hand that helps a person grip a tool, pick up a fragile object or adjust pressure in real time could help teach robots how to do those tasks better.
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SOFT ROBOTIC ARMBAND GIVES PROSTHETIC HAND USERS NATURAL CONTROL
The PSYONIC Ability Hand can capture touch, motion and grip-force data from real human prosthetic use. (ABB Robotics)
How a bionic hand could teach a robot
The collaboration centers on PSYONIC’s Ability Hand and ABB’s GoFa cobot. The Ability Hand was originally developed for prosthetic use. It has multi-articulating fingers, pressure sensors, vibration feedback and flexible mechanics that help it conform to irregular objects. That combination is important because human grip isn’tt one fixed action. You hold a coffee cup differently than a screwdriver. You handle an egg differently than a phone. Most of us do that without thinking about it.
For robots, that instinctive adjustment is hard. ABB and PSYONIC want to explore how movement, contact and grip-force data from the Ability Hand can help train robots to handle objects that are fragile, uneven or unpredictable. ABB’s GoFa cobot brings the industrial side of the equation, offering the accuracy and repeatability needed to test those movements in a controlled way. The result could be a robot arm that learns from real human handling data, then applies that information to factory and warehouse tasks.
Why robot grip is such a hard problem
Industrial robots can already lift, move, weld, sort and assemble with impressive speed. However, many still struggle when a task involves subtle touch. Think about a robot picking up a soft package, a medical component or a part that shifts slightly on a conveyor belt. Too much pressure can damage the item. Too little pressure can make the robot drop it. A tiny change in angle can throw off the whole process.
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That is why gripping and dexterity remain major challenges in automation. ABB calls this a key part of Autonomous Versatile Robotics, or AVR, its vision for robots that can sense, reason, move and handle objects with precision in changing environments.
Marc Segura, president of ABB Robotics, put it this way: Human dexterity remains “one of the most difficult things to replicate in industrial-grade robotics.” He said the collaboration with PSYONIC could help “close the long-standing gap” between human and robot dexterity. That gap is where this technology could make a real difference.
What makes the PSYONIC Ability Hand different
The PSYONIC Ability Hand was built to help people. It uses myoelectric control, touch sensing and compliant mechanics in a lightweight design. Its sensors can detect pressure during a grip, while vibration feedback can help communicate touch back to the person using it. That same sensing ability could be valuable for robots.
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PSYONIC says the Ability Hand can capture detailed data about movement, contact and grip force. When that hand is used by people in real-world situations, it can generate a more natural dataset than a lab-only robot demonstration.
ABB’s GoFa cobot is being used to test how bionic hand data could help robots handle delicate and irregular objects. (ABB Robotics)
Dr. Aadeel Akhtar, founder and CEO of PSYONIC, called dexterous manipulation “a data challenge as much as a hardware challenge.” That line really gets to the heart of this. Better robot hands are important. Yet the training data behind those hands may be what decides how useful they become in real workplaces.
Where bionic hand data could show up first
ABB and PSYONIC say this work could apply across automotive, aerospace, packaging, logistics and life sciences. That makes sense. These are industries where robots already play a major role, but where delicate or variable handling can still slow things down. A robot that can better adjust its grip could help with fragile components, oddly shaped products, soft packaging or repetitive tasks that are tough on the body.
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The International Federation of Robotics has also pointed to advanced gripping and digital integration as a way to reduce engineering time by up to 30%. That’s important for companies because automation often gets delayed by setup, tuning and custom engineering. If touch-enabled robotic hands can reduce some of that work, companies could deploy robots faster and use them in more flexible ways.
How touch-trained robots could change factory work
There is a hopeful side to this. Robots that handle repetitive or ergonomically challenging work could reduce strain on people. That could mean fewer workers stuck doing the same painful motion all day. However, there is also a bigger labor question here. More capable robots could take on tasks that once seemed too variable to automate. That may affect how companies hire, train and assign work in the future.
The most useful version of this technology would support people instead of simply replacing them. For example, robots could handle the repetitive gripping while workers focus on oversight, quality checks, machine setup and higher-skill work.
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Kurt’s key takeaways
ABB Robotics and PSYONIC are taking a different approach to one of robotics’ hardest problems: touch. Instead of training robots only in a lab, they want to use real movement and grip data from a bionic hand that people already use. That could help robots become better at delicate, variable tasks that have traditionally been hard to automate. It could also push industrial robots closer to working safely and effectively around humans in more settings. But the human side should not get lost in the excitement. If robots are going to learn from human touch, companies need to be clear about data use, workplace impact and safety testing.
The collaboration could help robots become more useful in factories, warehouses and other workplaces where precise grip matters. (ABB Robotics)
Would you feel comfortable knowing a robot at work was trained using real human touch data? Let us know by writing to us at CyberGuy.com.
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Copyright 2026 CyberGuy.com. All rights reserved.
Amazon’s Prime Day is now in its second day, and whether you’re looking for a new pair of wireless earbuds or a smartwatch, there’s a good chance you’ll find a discount. The Apple Watch Series 11 has already dropped to a new low price, while the AirPods Pro 3 are discounted to $179. With Tim Cook warning that price hikes are coming, now may be the moment if you’ve been eyeing one of the company’s devices.
Below are the best Apple deals currently available. Some are exclusive to Prime Day, while others are simply great discounts we think are worth highlighting. We’ll continue updating this guide throughout Prime Day, highlighting more deals as they become available.
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Update, June 24th: Adjusted prices and availability, and added deals for Apple’s MagSafe Charger as well as the Apple Magic Keyboard.
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