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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

At least seven people were killed in northwestern New Mexico when a tractor-trailer crashed head-on with a nearly packed Greyhound bus, officials said."We do expect that number to rise," New Mexico State Police spokesman Officer Ray Wilson said on Thursday. Dozens of passengers were seen trying to climb out of the windows of the bus while some bystanders walked among piles of debris carrying ladders.Most of the 49 people on the bus, including adults and children, were taken to area hospitals with different degrees of injuries. The driver of the truck sustained injuries that were not life-threatening, the state police said.Wilson had initially said six people suffered minor injuries.As of Thursday night, seven deaths had been confirmed. In a statement, the New Mexico State police said their identities would not be released until their next of kin were notified.The horrific scene began around 12:30 p.m. when a semi truck was traveling eastbound along Interstate 40 in McKinley County and it blew a tire. The driver lost control of the vehicle, which crossed the median and struck the westbound bus, Wilson told reporters.Aerial footage by CNN affiliate KRQE showed the bus damaged on the front edge, but upright, in the grass median. Nearby was an overturned vehicle and the truck trailer on its side, with what appeared to be produce boxes spilled on the median.One witness, Chris Jones, was driving along the highway when he came upon the crash site. He quickly jumped out of his car to help the injured when he didn't see any ambulances around."Just trying to help them, comfort them, calm them down, get them taken care of until EMS got there," Jones told CNN affiliate KCAL.Jones, who has medical training as Navy veteran and volunteer firefighters, said he first tried to get an idea of who was hurt.Another witness, Marc Gonzales, said the scene was a "complete catastrophe," with skid marks on the side of the road. Passengers tried to climb out the bus windows and bystanders grabbed ladders from their vehicles to try to rescue them, he said."It's by far one of the worst accidents I've encountered. ... It was horrible," Gonzales told KRQE."You could tell that people were distressed, screams were coming from the bus," he said.Twenty patients were initially taken to the Gallup Indian Medical Center in Gallup, acting chief medical officer Dr. Kevin Gaines told reporters. Some families were among the patients, as well as four children, he said.Ten patients were being treated for injuries ranging from broken bones to bruises, he said. One was in critical condition and two were in serious condition, Gaines said.Six patients were released and four others were transferred to other medical facilities in New Mexico and in neighboring Arizona, Gaines said.The Los Angeles Greyhound bus had originally departed from St. Louis and had just made a stop in Albuquerque prior to the crash, the company said."Our first priority is taking care of our passengers and their families as this incident has deeply impacted all involved," the company said. "Our thoughts and prayers are with everyone as we continue to give our support to all affected.The National Transportation Safety Board said it was sending 10 investigators to the site.This is not the first deadly crash involving a passenger bus in the state in recent months.In July, the driver of a passenger bus tried to avoid a crash along I-25 near Bernalillo, but lost control and rolled crossing the highway. The it bus was then plowed by a semi truck traveling in the opposite direction. Three people were killed in that crash, CNN affiliate KRQE reported.Correction: An earlier version of this story misstated the route of the bus. The story has been updated to reflect that the bus made a stop in Albuquerque before the incident. The-CNN-Wire 3829

As we focus on getting kids safely back to school this year, Nashville-area builders are trying to figure out how to limit the impact of potential future pandemic years down the road, which may require permanently changing the look of new schools, offices, and hospitals."Yes, we are definitely seeing clients ask questions," said Matthew Griffith, an architect with Gould Turner Group."Things like the materials we specify, how cleanable they are, rounded corners in rooms and antimicrobial surfaces," Griffith said.Griffith says with the thought of a future pandemic in mind — segmented spaces could be the norm for new schools."I think you will see a big focus on true flexible space, have demountable partitions and movable walls to where it can be segmented or more individualized on an as-needed basis," Griffith said.And that idea extends beyond school buildings. Griffith says the same can apply to hospitals and other office spaces."I think it's going to be common in a lot of designs to have dedicated spaces for temperature checks and things of that nature," Griffith said.A large building's heating and cooling system will likely be a large focus, according to Griffith. Rather than circulating air throughout the whole building, individual units may be able to keep the air within smaller areas in case of an outbreak.Schools have been through similar kinds of building trends before. In the early 2000s, it was all about security and hindering active shooters. Just like those changes, Griffith says COVID-19 will likely leave its mark on big building blueprints.WTVF's Jason Lamb first reported this story. 1629

ATLANTA (AP) — Former President Jimmy Carter marks his 96th birthday Thursday, the latest milestone for the longest lived of the 44 men to hold the highest American office.Carter planned to celebrate at his home in Plains, Georgia, with his wife of 74 years, Rosalynn Carter, according to a spokeswoman for the Carter Center in Atlanta.The 39th president, in office from 1977-81, has largely receded from the public eye amid the coronavirus pandemic and his own health challenges due to a series of falls in 2019. He previously survived a dire cancer diagnosis in 2015.Yet Carter remains a quiet force still active in both politics at home and, through his post-presidential center, in public health and human rights advocacy around the world. 751

AUSTIN, Texas (AP) — The Austin City Council has voted to cut one-third of the city's 4 million police budget amid national calls for "defunding" law enforcement in favor of spending more money on social services. Council members voted unanimously Thursday to reallocate just over 0 million in the 2021 fiscal budget to social services. That budget starts Oct. 1. Of that, million will fund community resources including response to the coronavirus pandemic, mental health aid programs, victim services, and food, housing, and abortion access in October. Approximately million will be redistributed to similar city services over the year. Another million will be spent on alternative forms of public safety and community support. 755