Latest
You don’t need an SSN to open a credit card: Scammers know that
Some credit card issuers now approve applicants without a Social Security Number. Instead, they accept an Individual Taxpayer Identification Number, a passport or proof of income.
That makes it easier for more people to access credit, but it also changes how lenders verify identity. Instead of relying on one number, they now review a mix of personal details.
The Federal Bureau of Investigation says they received 1,008,597 internet crime complaints in 2025. Phishing and spoofing ranked among the most common. These scams collect small pieces of your personal information over time, including your name, address or date of birth.
HOW DEBIT CARD FRAUD CAN HAPPEN WITHOUT USING THE CARD
Each detail may seem harmless on its own. But scammers combine them to build a profile that looks real. That profile can pass basic checks and lead to accounts opened in your name.
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How lenders verify identity without an SSN
Lenders check new credit applications against credit bureau records. These records include your name, date of birth and address history.
Experian says it can use these details to find or build a credit file when an SSN is not available. Lenders also look for an existing credit file and recent activity.
If the details match what is already on file, lenders may approve the application. The decision depends on whether the profile looks consistent and believable.
Scammers rely on phishing and impersonation tactics to collect data over time. The FBI reports more than 190,000 phishing and spoofing cases in 2025.
A message may ask you to confirm your name or address. Another message may request part of an account number. Each interaction adds another piece.
Alone, the information does not seem useful. Together, it creates a complete profile. These are the same details lenders use to verify identity. Scammers then combine everything and apply for credit in one step.
Lenders approve applications by matching the details to existing records. They do not trace where that information came from. They focus on consistency. Many systems process applications automatically using credit bureau data. Each application usually creates a hard inquiry on your credit file.
If the details match and a credit file already exists, lenders may treat the application as legitimate. No step confirms that the person applying actually owns that identity. The Federal Trade Commission receives more than 1 million identity theft reports each year. Credit card fraud remains one of the most common types. Many cases involve new accounts opened with information that passed basic checks.
You cannot see credit applications in real time. Most people only notice activity when it shows up on their credit report.
DO YOU KNOW THE TRUE COST OF IDENTITY THEFT?
By the time you see these changes, the account is already open. That gives scammers time to apply for more credit or start spending.
That delay is what makes this type of fraud so difficult to catch early.
The only way to see this type of fraud early is to keep an eye on your credit file. These include:
Most people don’t check their credit regularly. Bank alerts can flag activity on existing accounts, but they don’t show new credit cards opened at a different bank. Those only appear once they are reported to the credit bureaus. You can also place a free credit freeze with Equifax, Experian and TransUnion, which can block new credit accounts from being opened in your name. A fraud alert is another option that tells lenders to take extra steps to verify your identity before approving new credit.
Credit monitoring services can track activity across all three bureaus and alert you when something changes. That gives you time to respond by freezing your credit, disputing the account or contacting the lender.
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More lenders now approve credit cards without a Social Security number. That makes credit easier to access. But it also changes how identity gets verified. Lenders now match multiple pieces of personal information instead of relying on one number. That gives scammers more ways in. They can collect small details over time and use them together. This is why identity theft is harder to spot. You may not notice anything until a new account shows up on your credit report. By then, the damage may already be done. The takeaway is simple. Check your credit regularly. Set up alerts and limit what you share online. Fraud is no longer just about stolen numbers. It is about stolen identities built piece by piece.
Is enough being done to stop scammers from using your personal information to open accounts, or is the system making it too easy for them to slip through? Let us know by writing to us at Cyberguy.com
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Culture
Cracker Barrel Fans Outraged Again After NEW Major Change
Cracker Barrel built its reputation on comfort food, Southern tradition, and a menu customers could count on for decades.
That’s exactly why loyal diners are still fuming as the restaurant chain continues removing many of the classic dishes that helped make it a household name.
For years, customers have pleaded with the Tennessee-based chain to restore fan favorites that quietly disappeared from the menu, including black-eyed peas, fried haddock, red-eye gravy, fried chicken livers, and perhaps the most mourned item of all—the Sunrise Sampler.
For many longtime patrons, the Sunrise Sampler wasn’t just another breakfast. It was the breakfast.
The hearty platter came loaded with eggs, grits, fried apples, hash brown casserole, sausage, bacon, country ham, and biscuits with gravy—giving diners a taste of nearly everything Cracker Barrel had to offer without having to piece together a meal item by item.
“I noticed a while back that Cracker Barrel removed the GOAT of all breakfasts, the Sunrise Sampler, from the menu,” Josh Cooper, owner of Cooper’s Next Level BBQ in Tallahassee, Florida, told Fox News Digital. “You used to get a little bit of everything without breaking the bank.”
The meal hasn’t completely disappeared—but recreating it now comes with a catch.
Customers must order every component separately, turning what was once an affordable breakfast favorite into a considerably more expensive order.
“Now, in order to get that same teaser touch from the Sunrise Sampler, you have to order it all à la carte, which costs around $25 for the same great meal,” he said. “Blasphemy!”
Fox News Digital reached out to Cracker Barrel for comment.
The growing frustration over disappearing menu items comes after the company already faced a wave of backlash for attempting to modernize its image.
Last year, Cracker Barrel sparked outrage among longtime customers after unveiling a redesigned logo and updated restaurant interiors that many believed stripped away the rustic charm that had long defined the brand.
The changes were part of a sweeping $700 million overhaul across more than 660 locations, including menu revisions and a cleaner, less cluttered dining room design.
The company ultimately reversed course following widespread criticism, but many loyal customers say the damage had already been done.
The leadership shakeup continued last week when Cracker Barrel announced that CEO Julie Masino will step down on Aug. 10.
Former Bloomin’ Brands CEO David Deno is slated to take over.
For many customers, however, the issue extends far beyond a logo or a fresh coat of paint.
They believe corporate leadership has steadily chipped away at the very traditions that made Cracker Barrel stand apart from countless other restaurant chains.
Cooper said companies often underestimate the emotional attachment customers have to longtime menu favorites.
People are “asking for comfort and nostalgia.”
“The reality is that nostalgia matters. And when you remove popular items without controlling the narrative or managing customers’ expectations, you are bound to have upset patrons,” he said.
“Whether it’s due to rising food costs, kitchen timing or any other reason, it’s important to communicate with the people who put you on the map in the first place. Communication matters.”
Rachel Love, a self-described Cracker Barrel enthusiast from Tennessee, said one discontinued favorite remains at the top of her wish list.
“I absolutely loved the black-eyed peas, and I’m so glad they’re getting some attention,” Love told Fox News Digital. “They were one of my favorite sides and always felt like such a classic part of the Cracker Barrel experience.”
Love also hopes the restaurant revives its baked apple dumpling, describing it as “the perfect comfort dessert” for a brand built on old-fashioned hospitality.
To her, the debate is about much more than a handful of discontinued recipes.
“People aren’t just asking for old menu items — they’re asking for the comfort and nostalgia that came with them,” she said.
“Sometimes bringing back one classic dish means more to loyal customers than introducing several new ones.”
That may be the lesson Cracker Barrel continues to learn the hard way.
Customers aren’t asking the chain to reinvent itself.
They’re asking it to remember what made it successful.
They want the front porch.
They want the country store.
They want the breakfasts, the classic sides, and the timeless comfort food that turned Cracker Barrel into an American institution.
For many loyal diners, nostalgia isn’t a weakness.
It’s the brand.
Latest
Mamdani Kicked Out — He’s Livid After Latest Announcement
Backlash against New York City Mayor Zohran Mamdani continues to mount, with the Democratic Socialist facing another public rebuke after reportedly being denied the opportunity to speak at the funeral of a U.S. Army soldier killed during an Iranian missile attack.
According to multiple reports, Mamdani attended Friday’s funeral for Army Sgt. Angel Sarah Rampersad in Queens but remained silent throughout the service after the soldier’s family reportedly chose not to have him address mourners.
Rampersad was one of three American service members killed in Jordan during an Iranian attack on July 17.
The funeral was held at a church in Ozone Park, where elected officials, community leaders, family members and fellow mourners gathered to honor the 28-year-old soldier’s sacrifice.
According to the New York Post, Mamdani appeared to review prepared remarks on an iPad while other dignitaries spoke, but his name was never called.
A source familiar with the funeral told The Post the decision came directly from Rampersad’s family, which reportedly wanted to keep politics out of the ceremony.
The family chose not to have Mayor Zohran Mamdani speak in an effort to avoid what the source described as “political distractions.”
After the funeral concluded, the mayor’s office released the remarks Mamdani had planned to deliver.
“It is often said that our fallen ‘gave their tomorrows for our today,’” Mamdani planned to say.
“Sergeant Rampersad had tomorrows waiting for her: birthdays, ordinary mornings, evenings spent with her loved ones,” his remarks continued.
“But she gave every one of them up so that we could have ours — so that we could stand here today, safe and protected,” he was to say.
New York Gov. Kathy Hochul, however, did address those gathered and offered an emotional tribute to the fallen soldier.
“I feel after reading and admiring this woman from a distance, I feel like she could be one of my daughters,” Hochul said.
Other speakers included Ozone Park Residents Block Association President Sam Esposito, state Sen. Joseph Addabbo Jr., and Queens Borough President Donovan Richards.
According to the Department of War, Sgt. Angel Sarah Rampersad, 28, of Ozone Park, New York, was killed in action during an enemy attack at Muwaffaq Salti Air Base in Jordan.
U.S. Central Command said Rampersad and two fellow service members were killed while American and coalition forces defended against Iranian ballistic missile and drone attacks.
The other fallen Americans were identified as 1st Lt. Tyler James Feehan, 25, of Ewa Beach, Hawaii, and Pvt. Isabella Gonzales, 19, of Carrollton, Texas.
All three were deployed to Jordan in support of Operation Inherent Resolve, the international mission to combat ISIS in Iraq and Syria.
Rampersad served with the 1st Battalion, 57th Air Defense Artillery Regiment, 52d Air Defense Artillery Brigade, 10th Army Air and Missile Defense Command in Ansbach, Germany.
She worked as a 25U Signal Operations Support Specialist, according to the Department of War.
One person who attended the funeral told the newspaper the mayor appeared visibly upset after realizing he would not be invited to speak.
“He looked over at his staff, frustrated and seemed angry that he didn’t speak,” the source told the Post.
The attendee said Mamdani eventually understood that his name would not be called, glanced toward members of his staff, and put away the tablet that reportedly contained his prepared remarks.
Another source cited by the newspaper said the decision reflected the wishes of Rampersad’s family, describing them as politically conservative and supportive of President Donald Trump.
“The family is more conservative and wanted to limit any political distractions,” the source told the Post.
Neither Mamdani’s office nor members of the Rampersad family have publicly confirmed the account explaining why the mayor was not invited to speak.
Although he never addressed the congregation during the service, the mayor’s office later publicly released the remarks he had prepared, bringing attention to a moment that underscored the growing political controversy surrounding New York City’s new mayor.
Latest
GOP Just Passed It 232-288 — Pelosi And AOC Lose It On House Floor
The House of Representatives delivered a major victory this week for Americans with disabilities who want the opportunity to work instead of being trapped by a broken federal bureaucracy.
In a bipartisan vote, lawmakers approved legislation aimed at dismantling long-standing barriers within the Social Security Disability Insurance program that critics say have discouraged work and punished self-sufficiency for decades.
H.R. 8884, the **Removing Barriers to Work for Disabled Americans Act**, sponsored by Rep. Austin Scott, R-Ga., passed the House by a vote of 232-188 and now heads to the Senate, where it has been referred to the Committee on Finance.
The legislation restores an important tool that the Social Security Administration lost when its demonstration authority expired in 2022.
Under the bill, the SSA would once again be authorized to test practical reforms under the Social Security Disability Insurance program through Dec. 31, 2030, with demonstration projects continuing through the end of 2031.
Rather than permanently rewriting federal law, the agency would be able to pilot innovative approaches designed to help beneficiaries who are able and willing return to the workforce.
The legislation includes significant safeguards. Participation would be entirely voluntary, and no participant could receive less total income as a result of joining one of the demonstration projects.
Supporters say those protections make the bill a common-sense effort to modernize a system that has too often discouraged Americans from pursuing employment.
House Ways and Means Committee Chairman Jason Smith, R-Mo., argued the current system is failing many of the very people it was designed to help.
“With over 60 percent of Social Security Disability Insurance recipients expressing an interest in returning to the workforce but less than one percent leaving the program because of a successful return to work each year, the Social Security Administration’s complex rules and regulations are clearly failing to deliver for too many Americans,” Smith said.
“Giving the SSA the authority to test innovative ways to better help disabled Americans pursue gainful employment is pure common sense, and this legislation goes a step further to ensure participation in any new system is both voluntary and will not reduce a beneficiary’s total income,” Smith added.
Smith pointed to what he described as a massive disconnect between Americans who want to work and those who are actually able to do so under the current system.
For years, disability recipients have warned that attempting to return to work can trigger a maze of complicated regulations, overpayment disputes, benefit cliffs, and uncertainty that ultimately makes taking a job financially risky.
Rather than encouraging independence, critics say the current structure often rewards staying on the sidelines.
Supporters argue H.R. 8884 takes a fundamentally different approach.
Instead of expanding government programs or imposing sweeping permanent reforms without evidence, the legislation gives the Social Security Administration the flexibility to test targeted solutions, evaluate the results, and determine what actually helps Americans reenter the workforce before making lasting policy changes.
Backers say the measure reflects a core conservative principle: government assistance should serve as a bridge to opportunity—not a permanent barrier to self-reliance.
The bill recognizes that having a disability does not automatically mean someone is unable to work and that federal policy should encourage those who are capable of seeking employment rather than penalizing them for trying.
The legislation also broadens the agency’s authority to include additional populations, including blind Americans, expanding the reach of future demonstration projects.
The proposal advanced through the House with bipartisan support after clearing the Ways and Means Committee, where lawmakers from both parties acknowledged that the current disability system leaves too many Americans behind.
Still, Republicans led the charge, arguing that practical reforms backed by measurable results are preferable to expanding entitlement programs or making permanent changes without first proving they work.
The bill now moves to the Senate, where lawmakers will decide whether to send it to President Donald Trump’s desk.
Supporters are urging swift action, arguing that restoring the SSA’s demonstration authority represents a fiscally responsible, low-cost reform that could help thousands of Americans regain the dignity, purpose, and financial independence that comes with meaningful work.
If enacted, the Social Security Administration would once again have the authority to launch carefully monitored pilot programs designed to improve employment outcomes, while reporting requirements would provide transparency and accountability as Congress evaluates which reforms deserve permanent consideration.
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