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You don’t need an SSN to open a credit card: Scammers know that

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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.

See my tips and best picks on Best Identity Theft Protection at Cyberguy.com

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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UK chief rabbi says Jews targeted by ‘sustained campaign of violence and intimidation’ after string of attacks

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British counterterror police are investigating whether suspected Iranian proxies are behind a wave of arson attacks targeting Jewish sites in London, as a chief rabbi warned that such attacks are escalating.

The Metropolitan Police said specialized counterterror officers are probing fires at synagogues, Jewish-linked facilities and a Persian-language media company critical of Iran’s regime.

The latest incident caused minor damage to a north London synagogue Saturday night. No injuries have been reported in any of the blazes, which all happened within a few miles of each other.

Deputy Assistant Commissioner Vicki Evans said investigators are examining claims by a group calling itself Harakat Ashab al-Yamin al-Islamia, which has taken responsibility for several attacks. The group’s name means Islamic Movement of the Companions of the Right.

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“We are aware of public reporting that suggests this group may have links to Iran. As you would expect, we will continue to explore that question as our investigation evolves,” she said.

“I’ve spoken previously about the Iranian regime’s use of criminal proxies, and we’re considering whether this tactic is being used here in London,” Evans added.

Authorities say the group — which Israel has described as a possible Iranian proxy — has also claimed synagogue attacks in Belgium and the Netherlands.

IRANIAN MAN, 2ND PERSON ARRESTED AFTER ALLEGEDLY TRYING TO ENTER UK NUCLEAR MISSILE BASE: REPORT

Police have flooded northwest London with additional officers after a series of incidents in recent weeks, including the torching of four Jewish charity ambulances in the Golders Green neighborhood on March 23.

Several suspects, ranging from teenagers to people in their 40s, have already been arrested and charged.

Chief Rabbi Ephraim Mirvis warned on X that “a sustained campaign of violence and intimidation against the Jewish community of the UK is gathering momentum.”

“Thank God, no lives have been lost, but we cannot, and must not, wait for that to change before we understand just how dangerous this moment is for all of our society,” he added.

Prime Minister Keir Starmer condemned the violence, calling the attacks “abhorrent” and vowing those responsible “will be found and brought to justice.”

The threat level rose further after the group released a video claiming it would target Israel’s embassy in London with drones carrying hazardous substances. Police shut down nearby Kensington Gardens while investigating suspicious items but said no dangerous materials were found.

UK COUNTERTERRORISM POLICE PROBE ANTISEMITIC ARSON ATTACK AS IRAN-LINKED GROUP CLAIMS RESPONSIBILITY

British officials have long warned that Iran uses criminal networks to carry out attacks in Europe. MI5 says it disrupted more than 20 potentially lethal Iran-linked plots in the past year.

Police issued a blunt warning to any “thugs for hire” involved in such attacks.

“Let’s be really clear — it’s a mug’s game,” said Deputy Commissioner Matt Jukes. “That’s what people who are now serving long prison sentences have found out, and the same fate awaits those responsible for these recent crimes.”

Investigators say the probe remains ongoing as authorities work to determine whether the attacks are part of a coordinated foreign-backed campaign.

The Associated Press contributed to this report.

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Legacy media trust hits new low with Swalwell story latest example of protecting Dems

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A defining story of the past decade or so has been the collapse of trust in the credibility of legacy media institutions.

The latest survey data from Gallup found that just 28 percent of Americans have a “great deal” or “fair amount” of trust in mass media to report accurate or complete information. That’s the lowest number in the poll’s history. Conversely, a whopping 70 percent of respondents have “not very much” confidence or “none at all” in those same institutions. In 1972, that was flipped, with nearly 70 percent of Americans saying they trusted media outlets.

Among Republicans, those numbers are far worse. Just 8 percent of those on the right trust the media to report information fairly. That figure represents a 62 percent decline on the right even from 2015.

And that decline is very well deserved. The latest example of an obvious partisan bias being the reporting around accusations levied at now-former California Congressman Eric Swalwell. Swalwell over the last five to seven years turned himself into one of the most prominent voices on the left. Always outraged, committed to whatever progressive talking points were at a given moment, always with an expression on his face that seemed to imply he couldn’t believe he was getting away with gaslighting, lying, and extreme hypocrisy.

Well, that all came crashing down in less than a week. And in the process exposed not just the Democrat Party yet again, but its most willing and helpful partners: legacy media.

Before diving into Swalwell, it’s important to back up. Starting around the time when Donald Trump was first elected in 2016, legacy media quite obviously made a collective decision about its news coverage and reporting. Instead of attempting to present stories or information and let readers or viewers interpret for themselves, it would put its thumb on the scale. Pew Research, for example, found in 2025 that 55 percent of journalists don’t believe that both sides do not deserve equal coverage. In reality, that number is likely far higher.

Impartiality and fairness among ostensibly unbiased journalists has all but evaporated. This only got worse during the COVID-19 pandemic. While prior generations of journalists believed that their mandate was to hold powerful people accountable, COVID was the exact opposite. The powerful, people like Anthony Fauci, CDC Director Rochelle Walensky, or local public health officials, were treated with awe, reverence, and deference. Instead of questioning their statements, decision-making, or mandates, virtually every legacy media outlet promoted them.

Holding the powerful to account turned into holding the public to account. It was your fault for not wearing enough masks, or not wearing the right kind of masks, or for wanting your kid to go to school and have class without wearing a mask. It was your fault for not getting COVID vaccines based on inaccurate promises of efficacy and the disinterest in side effects legacy media demonstrated.

Why did they handle the pandemic this way? Because they do not view journalism as their primary goal or outcome. They are ideologues first, reporters second. And what their ideology said and believed during the pandemic was that Fauci and “health experts” must not be questioned, no matter how absurd their views were, or how quickly they were disproven. Criticism of Fauci, or coverage of his failures would be a betrayal of their political party and the “In this house” messaging it depends on.

There are many more examples of legacy media “missing” stories that would hurt Democrats. The Hunter Biden laptop story undoubtedly impacted the 2020 election, as mass media downplayed, ignored, or in some cases, helped ensure that the story was censored from the internet lest it hurt Joe Biden’s campaign. The lab leak explanation for the pandemic was labeled as a “racist conspiracy,” before evidence became overwhelming that it was the most likely source of the coronavirus.

Joe Biden’s cognitive and physical decline was dismissed as a right-wing conspiracy, with “cheap fakes” becoming one of CNN’s most popular terms before his atrocious debate performance. Russiagate was another. And news this week on the first Trump impeachment has exposed yet another media failing.

Now we have Swalwell as yet another shining example.

After the allegations about years of improper behavior surfaced, several reporters took to social media to explain that they’d long heard rumors or reports of Swalwell’s actions and simply…did nothing about them.

One Democrat strategist posted on X Thursday morning that “…A reporter with Politico was working on verifying the rumors on Swalwell when he was running for President.” He continues, “Two days before he was scheduled to sit down with this reporter Swalwell dropped out of the race. The energy disappeared to potentially take him out, the victims if they were even willing to go on the record never did.”

Another reporter, Bethany Allen, said she heard information on Swalwell’s behavior in 2020 when at Axios, but because it wasn’t her beat, simply passed it along and never reported it. A journalist based in California posted this, saying that “shortly after being elected to Congress in 2013, [Swalwell’s] behavior towards women was known by all levels of our local government and the Alameda County Democratic Party.”

The executive editor of American Prospect, David Dayen, wrote “The truth, which will be available for all to see before long, is that Swalwell’s conduct with interns, young staff, and female fans was an open secret for a long time, and yet the party…had been supporting him and raising money for him.”

There are many more examples of those on the left admitting that Swalwell’s treatment of women was an open secret among Democrats, which would, of course, trickle down to their partners in mass media outlets. So why did it take until now for it to come out?

Well, the legacy media’s primary objective is to help and protect its “side.” Which is why a majority of these people openly admit in surveys that they don’t feel the need to treat both sides equally. Reporting does require those who are making the allegations to come forward. But apparently some did, then interest in the story fizzled as Swalwell stopped running for president. But that’s not an acceptable excuse.

Swalwell was a sitting congressman from the country’s largest state. He started a campaign for governor, and in some polls, was the leading candidate. He was a relentless force against Trump and the right, with sneering, smirking social media videos, predictable #Believeallwomen hashtags, and was seen as one of the primary leaders of the “resistance” in appearances with good buddy Jimmy Kimmel.

He was prominent enough to deserve scrutiny, particularly in light of the “everyone always knew” messaging we now see. They knew, they just didn’t care enough because Swalwell was on the left. And those on the left are never treated with the aggressive mentality journalists take when they can hurt a member of the opposition. Fauci is still viewed as a hero because they never cared enough to point out how many lies he told, or facts he got wrong. All the Democrat Party partners now talking about how it was so obvious Swalwell was engaging in inappropriate behavior were happy to support his candidacy. Until now.

Some look at ~20 percent trust ratings for mass media and wonder how we got here. The real question is why it isn’t lower.

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Mamdani sidesteps question on whether he supports AOC challenging Schumer

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New York City Mayor Zohran Mamdani sidestepped questions Sunday about whether Rep. Alexandria Ocasio-Cortez should challenge Sen. Chuck Schumer, declining to take a position amid growing debate over Democratic leadership.

“I have to be honest with you,” he told NBC’s Kristen Welker. “This is another question that gets into the future,” Mamdani said when asked if Schumer should step aside as Senate Democratic leader.

The exchange unfolded as divisions within the Democratic Party have intensified over generational change, with progressives increasingly raising the prospect of Ocasio-Cortez mounting a primary challenge against Schumer, who has led Senate Democrats for years.

When pressed directly on whether he supported such a challenge, Mamdani avoided endorsing the idea while praising Ocasio-Cortez.

CROCKETT LUKEWARM ON AOC PRIMARYING SCHUMER, SAYS SHE DOESN’T SUBSCRIBE TO ‘AGEISM’

“I will tell you this, that I have had the privilege of being represented by Congresswoman Ocasio-Cortez,” he said. “Now it’s an honor to work with her as an incredible congresswoman, and I’m excited to see whatever it is that she decides to do next.”

Welker noted Schumer did not endorse Mamdani in his own mayoral race and asked whether that influenced his view, but the mayor emphasized cooperation.

“I’ll tell you that right now my focus is on working with everyone, and that includes Senator Schumer,” Mamdani said.

DAVID MARCUS: HOW CHUCK SCHUMER FINALLY REAPED THE WHIRLWIND

“You know, recently I worked with Senator Schumer to deliver on a hub of relief for delivery workers right here across from City Hall.”

Mamdani expanded on his broader view of the party, suggesting the issue was not simply about age.

“I think it’s time for a party that reflects the urgency that we’re seeing across this country,” he said. “We know very well what we oppose. What are we for?”

LEADING SENATE DEMOCRAT TELLS FOX NEWS ‘IT’S TIME … FOR NEW LEADERSHIP,’ AS SCHUMER FACES GROWING PRESSURE

He also declined to weigh in on former Vice President Kamala Harris and her potential political future, despite repeated questioning.

“I have to be honest, I haven’t thought about the candidacies for president this time,” Mamdani said.

“I think that New Yorkers are tired of politicians pontificating about other politicians. What they want to see are results.”

CLICK HERE FOR MORE COVERAGE OF MEDIA AND CULTURE

Harris has hinted at another presidential run, placing her at the center of early discussions about the Democratic field. Party leaders have emphasized the importance of focusing on the 2026 midterms as Democrats look to regain momentum.

Mamdani signaled he planned to stay focused on governing rather than engaging in national political debates.

“And here in 2026 I want to be delivering for New Yorkers,” he said.

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