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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 16 years old, Gabe Richards has been working hard to get good grades.He's secured straight As while being a part of the special education program at Marysville High School in Michigan.But, after getting invited to be honored at an academic awards ceremony Monday night, Gabe said he was disappointed to be told at the event that his invite was a mistake."We were really excited and don't get the chance to celebrate achievements all the time," said his mother Stefanie Grassel.Grassel said the faculty did apologize and acknowledge they mistakenly sent an invitation letter.However, as a mother, Grassel said she wants to see the policy changed to become more inclusive."It sends the message that they are less than a general education student, and that's wrong," she added.Richards also told us he feels disappointed after what happened. District superintendent Shawn Whiteman refused to do an interview in response to what happened. Instead, he issued the following statement addressing the matter:"The criteria for students to receive the distinguished “Academic Award” from Marysville High School are a GPA greater than or equal to 3.5 and that they are enrolled in a certain amount of academic-based classes.After speaking with our high school principal, it was evident that a mistake was made when identifying students for this award, due to the fact that a letter was sent home inviting a student to the ceremony who didn’t meet the full criteria.It is clear that the high school made an error in identifying students for this year’s award and we respectfully apologize for any grief this has caused.  Because of this, we will be taking corrective action so that this does not happen again in the future." 1768

Authorities in Texas say a partially-dressed woman who was captured on a home surveillance system ringing a doorbell early one morning is safe after officials discovered her boyfriend died of a self-inflicted gunshot wound.According to ABC News, five days after the 32-year-old woman was recorded on a Ring doorbell’s surveillance camera, the woman was located and is reportedly safe, police said.The Montgomery County Sheriff's Office said on Wednesday they responded to a home in the Sunrise Ranch subdivision after receiving reports of a 49-year-old man threatening to kill himself.Deputies attempted to knock on the door multiple times before making forced entry into the home, officials said. When they made their way inside, they discovered the man lying dead of a single gunshot wound.Authorities tell local news outlets they believe his death is a suicide.The man left a note and mentioned his girlfriend but police say she was not at the scene by the time officers arrived. The woman was later identified as the person ringing a stranger's doorbell early in the morning.Last Friday, the woman was seen ringing a doorbell in the neighborhood north of Houston around 3:20 a.m., the MCSO said. The woman left the home before the resident answered the door.The eerie video of the woman was widely shared on the Internet as people on social media feared the woman — who was seen only wearing a T-shirt and broken hand restraints — was in danger. Authorities aren’t releasing any information about the woman because she is a victim of domestic violence. However, local media outlets report that she is from the Dallas area and is staying with family.Officials say they'll be meeting with the woman as the investigation continues.SEE VIDEO BELOW: 1776

BALTIMORE — BALTIMORE, M.D. - It’s Cyber Security Awareness month and the FBI wants to warn people about potential scams, especially while so many are working and going to school virtually.One Montgomery County man, who wants to stay anonymous, was scammed out of thousands of dollars using a dating app and doesn’t want others to make the same mistakes."Emotionally, it’s like there are claws in you that you can't seem to get out," said D. For years, the man who we are calling 'D' thought he was in a caring online relationship, but just last month, he found out it was all a scam."I was a little lonely. I was needing some attention or I guess I just wanted some," said D.It started 5 years ago. Divorced, he had turned to date apps Skout and Meet Me to fill that emotional void and met Brandy Bowens from Canada. It seemed like an innocent relationship for a while, but then she started asking him to be the middle man for her "art business"."By me already being invested in our conversations and our online relationships, I kind of felt it was okay for me to do these things that they wanted," said D.So he started getting money transferred to his bank account that he would then send out in cashiers checks."I had received three wire transfers of over 0,000 and these monies they claimed were for their business," said D. It kept adding up... and then she asked for his money.It all came to a head last month when he got a call from the FBI saying it was all a scam; his ,000 was gone."It's hard. I lost the money and it messed up everything in a financial way for me. I'm trying to build my credit back, just so much that that has screwed up for me," said D.FBI Special Agent Jeffrey Reising said these scams are even more common now during the pandemic because criminals are taking advantage of government programs like unemployment and funneling the money through romance scam victims, like D."Just red flags, like 'Why am I getting unemployment in other people's names in my account? Why am I getting tens of thousands of dollars in my account'?" said Reising.Other red flags to look for are if they can never meet in person, or even answer phone calls, if they don’t have a real voicemail or if they ask for your bank account."Why can I not talk to this person face to face using some of the technology available? Why can’t I interact? Why is all of our communication on a text?" said Reising.It’s red flags D saw, but the scammer could explain away."Saying 'my phone is broke' or 'my camera doesn’t work'," said D.Now he’s sharing his story, hoping that especially during this virtual time, he can stop others from falling victim."Be cautious. If you get that flag, if you don’t get the answer for that flag, then you need to leave it alone," said D. If you think you might be a victim of a romance scam, contact your local FBI office or file a report online. This story was first published by Abby Isaacs at WMAR in Baltimore, Maryland. 2964

ATLANTA — The United States is going to require airline travelers from Britain to get a negative COVID-19 test first. The Centers for Disease Control and Prevention announced the new policy late Thursday. Airline passengers from the United Kingdom will have to test negative for COVID-19 within three days of their flight. The requirement goes into effect Monday.The U.S. is the latest country to announce travel restrictions because of a new variant of the coronavirus that is spreading in Britain and elsewhere. The new of the virus is more contagious than other strains.The CDC said because of restrictions in place since March, air travel to the U.S. from the U.K. is down by 90%. 692

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