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The Better Business Bureau is warning the public about “synthetic” identity theft. The BBB says the technique involves scammers combining information from multiple individuals to invent a false identity. It’s said to be so hard to detect that you might be a victim and not even know it.Specifically, the BBB says scammers pull together stolen Social Security or Social Insurance numbers, the address of an abandoned property, and a fake name and birth date. Using that information, experts say scammers apply for a credit card. Initially, they will be declined since they don’t have a credit profile, but this creates a record of a “person” that doesn’t actually exist.Next, scammers add that “person” to one or more legitimate accounts and over time, the crooks build up a credit history until they can qualify for large lines of credit.Once approved for a high line of credit, the BBB says the scammers do what’s called a “bust-out,” meaning the con artists charge their credit cards to the limit, pays nothing, discards the identity and disappears.If your Social Security or Social Insurance number has been used in one of these schemes, it will be hard to detect. The BBB says negative credit reports will be tied to your SSN, but not your name, phone number, and address, meaning fraud alerts, credit monitoring, and credit freezes won’t stop the scammers or alert you to what is happening.“However, unpaid debts left by the scammer can affect your ability to take out loans or credit. Also, jilted creditors will eventually track the debts back to the Social Security number and, ultimately, its real owner,” wrote the BBB in a press release.The BBB offered these tips on how to protect yourself from “synthetic” identity theft:Minimize your exposure. Don’t give out your Social Security or Social Insurance number if it isn’t absolutely necessary. When a business, medical office, or individual asks for this information, don’t be afraid to ask them why they need it and how they will protect your personal information.Protect your child’s personal information. A child’s identity is appealing to scammers due to their clean, blank slate.Keep an eye on your communications. Monitor any mail, phone calls, email, or other communications you receive. Be alert if something arrives out of the blue or doesn’t make sense. If you receive any mail or phone calls regarding you or your child that seem like a red flag, follow up right away 2447

TERRE HAUTE (AP) — The U.S. government has put the first Black inmate to death since the Trump administration this year resumed federal executions after a nearly two-decade pause. Christopher Vialva, 40, was pronounced dead shortly before 7 p.m. EDT Thursday. He was convicted and sentenced to death in the slaying of a religious couple visiting Texas from Iowa when Vialva was 19. Vialva was the seventh federal execution since July and the second this week. Five of the first six were white, a move critics argue was a political calculation to avoid uproar. The sixth was Navajo. Vialva's lawyer, Susan Otto, has said race played a role in landing her client on death row in the 1999 killings of Todd and Stacie Bagley, who were white.A U.S. Department of Justice spokesperson issued the following statement on the execution: 835

TEMPLE, TX — The body of a missing Fort Hood soldier is believed to have been found along railroad tracks in Temple, Texas.The Temple Police Department says around 5:36 p.m. on Tuesday, a call was received in reference to a medical call along railroad tracks.A caller advised that a man was observed near the railroad tracks. When officers arrived, it was determined the man had been dead for some period of time.Identification found at the scene indicates the victim may be missing Fort Hood soldier 23-year-old Elder Fernandes. However, no forensic confirmation has been made at this time.Sgt. Fernandes was last seen on Monday, August 17 and reported missing on Wednesday, August 19.Temple PD says at this stage of the investigation, there is no indication of foul play. The investigation is ongoing.Justice of the Peace Ted Duffield has ordered an autopsy, and next of kin has been notified."Our thoughts and prayers are with the Fernandes family during this challenging time," Temple Police Chief Shawn Reynolds said.Temple PD is the lead agency in the death investigation. The department is working in conjunction with Fort Hood and Killeen Police Department Criminal Investigations Divisions. Temple Fire & Rescue also responded to the scene.This article was written by Sydney Isenberg for KXXV. 1314

Supreme Court Justice Ruth Bader Ginsburg is back in the hospital on Wednesday, according to a court statement.The statement said that Ginsburg is resting comfortably and is expected to be released from the hospital later this week.The statement said that Ginsburg underwent a minimally invasive non-surgical procedure today at Memorial Sloan Kettering Cancer Center in New York City to revise a bile duct stent that was originally placed at Sloan Kettering in August 2019.Stent revisions are common occurrences and the procedure, performed using endoscopy and medical imaging guidance, was done to minimize the risk of future infection, her doctors said, according to a statement.In May, Ginsburg was hospitalized for treatment for a benign gallbladder condition.Ginsburg has also beaten cancer four times, most recently she declared herself “cancer free” in January following treatment for pancreatic cancer. 918

Student loans borrowers are still struggling right now, even with payments on federal loans suspended.Nearly half of borrowers in a new survey from personal finance site Student Loan Hero have lost income during the pandemic. About 34% have had their pay or hours cuts and more than one in three borrowers are experiencing food insecurity.Currently, federal student borrowers have placed in an administrative forbearance, which allows them to temporarily stop making their monthly loan payment. The suspension of payments will last until Sept. 30, 2020, but they can still make payments if they choose. About two months before the pause on federal student loan payments is scheduled to end, advocates are warning we're not ready.“Back in March, when the CARES Act was passed, I think September 30 made a lot of sense at that point. We were hopeful that by September we'd have the virus under control, that we'd be getting back to normal, that things would be reopening,” said Sam Gilford, Director of External Affairs at the nonprofit Student Defense. “But of course, here we are in July and it's clear that's not the case.”Student Defense has been representing students who had their wages garnished months after the CARES Act said that's not allowed.Just last week, the Department of Education said it's still happening to thousands of borrowers.The organization stresses that now is the time to be your own best advocate.“Many people will be eligible for what's called 'income-based repayment,' which is a repayment plan where your payment varies based on your income and if your income drops to certain level, your payment will drop to zero,” said Gilford. “That can be a really good option for a lot of people, but it's something that takes time to get started so don't wait until October 1.”Gilford says to watch out if you contact the company in charge of your student loans and they recommend forbearance instead of income-based repayment. You get a temporary pause on your payments, but interest keeps growing so your loan is getting bigger.There's another reason not to wait to contact your servicer.Student Defense says even in good times, servicers struggle to keep up with the volume of requests and calls from borrowers. So, it's likely they'll be overwhelmed if the pause on payments lifts at the end of September.The Department of Education is expected to start communicating with borrowers next month about their loan payments getting ready to start again.Click here to learn more about your student loans and read frequently asked questions. 2567