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At this point, it might be inevitable. Some of you will have your identities stolen.Nearly half of Americans had their personal information exposed during a breach at Equifax, the company announced last week.And it's just the latest hack. Sensitive data on about 80 million Anthem customers was accessed in 2015.These breaches are some of the worst because the information stolen (names, Social Security numbers, addresses) can be used by an imposter to open accounts in your name, steal your tax refund or your Social Security check."This is a goldmine of information for a thief," said Chi Chi Wu, an attorney at the National Consumer Law Center.When your credit card number is stolen, it's easier to fix. You call the credit card company to close the card and get a new number. In most cases, you won't be responsible for the charges. Some of the victims of the Equifax hack did have their credit card numbers exposed. Equifax will notify you in the mail if this is the case.But the credit rating bureau won't notify you directly if you're one of the 143 million people whose more sensitive information was stolen. You must go online to EquifaxSecurity2017.com to find out.First of all, don't panic. If your information was compromised, it does not mean your identity was stolen. There are some steps you can take right now, like placing a freeze on your credit reports, to help prevent it from happening.And even if everything seems fine now, you should also continue to keep a close eye on your accounts and credit reports because your identity might not be stolen right away.If you do find out that someone has created a new account in your name, you'll have to prove that you didn't open the account and you might have to clear bad debt information from your credit report.It could be a long, messy process. Here's where to start:1. Go to IdentityTheft.gov to file an identity theft reportThis is important because it will provide you with a document you'll need to send to other businesses where fraudulent accounts were opened -- not because the government will start investigating your personal case.The form asks you questions about who you are and what accounts were impacted. It doesn't ask for any other documents or even your Social Security number, said John Krebs, an attorney at the Federal Trade Commission.The website will also provide you with a recovery plan after you submit the information. The plan will vary depending on what kind of accounts were created or hacked.2. Put a freeze or fraud alert on your credit reportsYou can request the three credit rating agencies to freeze your credit. This will prevent anyone from opening additional new accounts in your name. You'll have to request to lift the freeze if you want to open a new line of credit yourself. There are usually fees to freeze and unfreeze that vary by state, but generally range between and .If this is too much of a hassle, you can put a free fraud alert on your credit reports instead. This will require creditors to take additional steps to verify your identity before issuing credit.The fraud alert usually lasts for 90 days and can be renewed. But after you fill out the identity theft report online, you can request an extended fraud alert that stays on your credit report for seven years.3. Request, in writing, to close fraudulent accountsContact the fraud department (not customer service) at each business where a new account was opened in your name to explain that someone stole your identity and request that the account be closed.The FTC provides a sample letter you can use to dispute these accounts. Include a copy of your identity theft report. In some cases, the creditor may also ask for a police report, which you must file with local law enforcement first."The creditor will have a higher tendency to believe you if you have the police report," Wu said.Ask the business to send you a letter confirming that the fraudulent account isn't yours, that you aren't liable for it, and that it was removed from your credit report.Under most state laws, you're not responsible for any debt incurred on fraudulent new accounts opened in your name without your permission, according to the FTC.4. Dispute any fraudulent information on your credit reportIf a thief uses your identity to create a new credit card account, for example, it will end up on your credit report. But you have no control over that account. If the imposter doesn't pay the bills, it can seriously hurt your credit score.You'll need to write to each of the three credit rating agencies to request that they remove the incorrect information.The FTC provides a sample letter you can use to explain the situation.You should hear from the agencies in about 30 days on how they are handling the dispute, Wu said.5. Prevent future fraudOnce you've cleared up the situation, remain vigilant. Just because you've reported an incident of identity theft, it doesn't mean it won't happen again.Keep a close eye on all your statements. Consider enrolling in a credit monitoring and theft protection service. If you've already frozen your credit reports, you'll have to temporarily lift the freeze in order to enroll in a monitoring service, according to the FTC.You should also try to file your taxes as early as possible next year -- before someone else tries to use your Social Security number to steal you return, suggests the Massachusetts Attorney General.In addition to your Social Security number, Equifax says that your driver's license number may also have been exposed. In some states, you can ask the Department of Motor Vehicles to place a flag on your license number. This will alert law enforcement to be extra careful identifying a person they pull over, according to the Identity Theft Resource Center. 5795

AUBURN HILLS, Mich. — Faculty and staff at Oakland University in Rochester, Michigan are being trained to fight active shooters in a unique way – by using hockey pucks. University police are conducting the training sessions, which were organized by the OU Union and the American Association of University Professors, to improve classroom safety for all. The use of hockey pucks allows those vulnerable to an active shooter attack to fight back with something heavy that will also cause a distraction, according to OU Police Chief Mark Gordon. "Hockey pucks provide the ability to be carried in briefcases or backpacks, are not considered a weapon and will meet the goal of distracting the shooter,” Gordon said. The OU Union has distributed hockey pucks to 800 of its members and will distribute an additional 1,700 pucks to students. "Part of the strategy for fighting is you need to create a distraction to give yourself time as a group in a classroom to rush the gunman so you can get your hands on the gun and take it away from the shooter," Gordon said.Although police and organizers find the pucks to be a good solution to the threat of a mass shooting, some students on campus disagree."I found it, at first, absurd," said Adam Kalajian, a third-year student at OU. "What good will it do? I mean, there’s an armed person coming in, why would you chuck a puck at them? What’s it going to do? Nothing." Jacob Gora, a fifth-year senior, echoed the same sentiment. "If I was to give you a puck and I had a gun, would I be able to take you out easily?" Gora asked. "I mean, a puck isn’t going to distract me or stop me from shooting someone."According to a release, the pucks also serve a second purpose. They're being used as a fundraising tool to equip all campus classroom doors with a lock that can be used without exiting the room in the event of an emergency. Already, ,000 has been raised for interior classroom locks through donations from the union and the Oakland University Student Congress.To view OU's active shooter guidelines, click here. But be warned — the reenactments in the training video are graphic.  2225

At least 2.4 million more Americans were impacted by an Equifax data breach that happened last year, though those customers had less data stolen.The Associated Press reported the newly announced customers had only their names and a partial driver's license number stolen. The original data breach involved 145.5 million Americans who had their Social Security numbers impacted.In the driver's license theft, the attackers were unable to get the state where the license was issued and the dates of issuance and expiration. 529

As we near the end of October, Thanksgiving is less than a month away and Hanukkah and Christmas are both in less than two months. A lot of hotels are taking note, and Paula Twidale with AAA says some are offering deep discounts."You’re seeing this like perhaps 15, 20, 25 percent off hotels in certain regions to entice people to make that commitment. Also, flexible terms and conditions," said Twidale, AAA's senior vice president of travel.She says right now hotels are at about a 50 percent capacity, and some companies are finding ways to keep people traveling."We’ve never had nearly as busy a fall travel season as we have right now. Not even close. We’ve been basically sold out in every mountain town in the US since August," said Brent Handler, founder and CEO of Inspirato. "It works like Rent the Runway or how the original Netflix subscription worked, where as soon as you check out, you can book your next trip. So, you can have one reservation at a time."Through Inspirato Pass, travelers have access to hundreds of destinations around the world with no nightly rates, fees, or other fares."Families will take one of our houses in Cabo for a month or families will move to Aspen for two months," said Handler.But not everyone is ready to travel just yet. Handler says about half of Inspirato's clients aren’t traveling at all."The other half is saying, ‘I’m traveling more than I normally would. I have this opportunity; it might be once in a lifetime working from home. I normally go into an office. I’m going to travel 10 times in the next four or five months,’" said Handler"It’s going to work for some, not for everybody. It may entice people. They’re going to work remote; they may as well do it from a nice location," said Twidale.As for those holiday trips, Twidale says about two-thirds of Americans will travel by the end of this year."It’s not a matter of if people will travel, it’s a matter of when. When they feel comfortable, when they feel safe to do so," said Twidale. 2007

At least three people were killed and a dozen others injured Tuesday after gunfire erupted near a Christmas market in the center of the French city of Strasbourg, French authorities said.Strasbourg police said an armed person entered the perimeter of the Christmas market by the Corbeau Bridge around 8 p.m., heading toward the Rue des Orfèvres. The suspect then opened fire, police said. Police said they have identified the shooter, who remains at large.Here are the latest developments: 497

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