diff --git a/app/decorators/user_decorator.rb b/app/decorators/user_decorator.rb
index 9e44ee157db..14f26073fa5 100644
--- a/app/decorators/user_decorator.rb
+++ b/app/decorators/user_decorator.rb
@@ -130,6 +130,7 @@ def delete_account_bullet_key
   attr_reader :user
 
   def masked_number(number)
+    return '' if number.blank?
     "***-***-#{number[-4..-1]}"
   end
 
diff --git a/spec/decorators/user_decorator_spec.rb b/spec/decorators/user_decorator_spec.rb
index 72252376dd3..7b6d450012f 100644
--- a/spec/decorators/user_decorator_spec.rb
+++ b/spec/decorators/user_decorator_spec.rb
@@ -47,6 +47,14 @@
     end
   end
 
+  describe '#masked_number' do
+    it 'returns blank for a nil number' do
+      user = build_stubbed(:user)
+      user_decorator = UserDecorator.new(user)
+      expect(user_decorator.send(:masked_number, nil)).to eq ''
+    end
+  end
+
   describe '#active_identity_for' do
     it 'returns Identity matching ServiceProvider' do
       sp = create(:service_provider, issuer: 'http://sp.example.com')