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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

Ashland University in Ohio is offering a new ,000 scholarship to talented Fortnite players."Fortnite Battle Royale" will be offered in fall 2018 as part of the university's esports program.The AU esports team will be the first known program in the country to add the game to its official offerings. Head Coach Josh Buchanan is excited to add the popular game to the college's gaming titles."Fortnite appeals to both the core and casual gaming audience," said Buchanan in a news release. "We're excited to provide this platform for gamers who want to showcase their skills in a more competitive space."The team at Ashland will arrange four-player teams that practice regularly and compete together.Scholarships will be awarded to players based on skill level and academic requirements.The university plans to conduct open tryouts for Fortnite players next school year. Ashland already offers League of Legends, Overwatch, Counter-Strike: Global Offensive and Rocket League in their esports program. The coach hopes eventually other schools will for programs to set up collegiate leagues for the team to compete against.  1184

As the Thanksgiving holiday approaches, college campuses across the country will empty out. Tens of thousands of students will head home for the break, and public health experts fear mass travel and indoor gatherings could spark a super spreading of the coronavirus.Within days of returning to campus this fall, Brianna DeWall contracted the coronavirus.“We went out to party, and with all my friends, got it,” recounted the Oklahoma State University junior. “So, we're assuming someone at that party had it and didn't know.”According to the Centers for Disease Control and Prevention (CDC), the return to college campuses in August and September coincided with a 55 percent increase nationally of COVID-19 cases in young adults ages 18 to 22.Next week, DeWall is headed home for the holidays, but she plans to get tested before she travels.“I will be flying, so I feel like that's a precaution I should take,” said DeWall.While her school isn’t requiring mandatory exit testing, other schools are.Penn State is offering free, voluntary exit tests. The University of Michigan has made exit testing mandatory, and New York State’s university system is also mandating a negative test result for all of its 140,000 students before they leave campus.“Some people may get a test that's not going to decrease the risk to zero, but it is going to decrease the risk substantially,” said Dr. Amesh Adalja, a senior scholar with the Johns Hopkins Center for Health Security.Dr. Adalja warns that without extra precautions like frequent testing, mask-wearing, social distancing, and self-quarantining ahead of the holiday, the risk of community spread is increased.“It is going to be a major challenge when you have your student body moved from campus back home and come back on campus because that's likely to introduce more levels of infection,” he said.Earlier this year, researchers at Ball State University tracked 7.5 million students at more than 1,300 universities and concluded that thousands of college students may have picked up COVID-19 while at densely-packed spring break destinations, only to return to infect others with the virus.Some schools like DeWall’s are not having students return to campus until January and have canceled spring break. But once again, testing is voluntary.“I think we should have to get tested before we come back,” said DeWall. “I think it's very careless that they aren't requiring us to get tested before we go home.”The CDC hasn’t issued any specific COVID-19 guidance on colleges and break, and while the American College Health Association encourages testing, it stops short of calling for it to be mandatory.“Colleges we know have been hot spots for infection, especially with off-campus activity,” said Dr. Adalja. “So, I do think this is going to be particularly challenging to accomplish.” 2839

As millions of Americans head to the polls today for the last day of voting, a group of artists has been deployed to help them pass the time.With a strum of her bow, violinist Paula Johannessen is off.“Some poll workers were really excited, too, that they were just happy to hear music,” said Johannessen.But today, her performance is dedicated to the American voter.“I played a lot of Irish music so far, and I'll continue to some jigs reels and waltzes,” she said.It’s called Play for the Vote, a non-partisan effort by artists and performers to bring music to the ballot box.“It's nice to remind people that we are still here, we're still performing, we're still here to share what we have with everybody,” explained Johannessen.Boston-based cellist Mike Block came up with the idea after the contentious first presidential debate.“I was just kind of thinking about what the candidates were saying about, not just who you should vote for, but the stress around the process of voting itself,” said Block.With long lines, health concerns, and the fate of the country hanging in the balance, Block decided musicians could help ease the anxiety.“I think it's also this is going to serve a very important need for audiences, said Block.“Music has this unique power to create shared unifying experiences and we haven't really had that this year.”He recruited 600 musicians to perform classical, folk, bluegrass, jazz, rock and more without a political leaning. They will play in 48 states and the District of Columbia. All of it is for voters stuck in long lines, fulfilling their civic duty.“It's always been a melting pot of music, as well as cultures here, and it's really cool just to be able to communicate with anyone anywhere through music,” said Johannessen.“I think encountering this at a voting location is really going to remind people of the culture and all of the things that bring us together in society,” said Block.It’s a good reminder of what we have in common today, no matter who we vote for. 2016

AUSTIN, Texas (AP) — A federal judge has ruled that Texas’ statewide mask mandate must extend to inside polling places. But election officials Wednesday did not appear to be rushing to enforce the order. It was handed down after more than 8 million people have already cast ballots. U.S. District Judge Jason Pulliam said not requiring face coverings in Texas polling places created a discriminatory burden on Black and Latino voters, who are at higher risk of death and severe illness from the coronavirus. Texas Governor Greg Abbott had included an exemption for polling places in his statewide mask mandate. The governor said he encourages people to wear a face mask but exempted polling places from the mandate because he didn't want voters turned away from the polls just because they didn't have a mask, according to the Texas Tribune. Texas Attorney General Ken Paxton immediately appealed Tuesday’s ruling. Texas is three weeks into early voting, but Pulliam said enforcing a mask order would not be disruptive.According to the U.S. Elections Project, which is tracking early voter data, there have been more than 8.1 million votes cast already in Texas as of Wednesday afternoon. That's roughly 90 percent of all votes cast in the 2016 election. 1263

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