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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
As the world waits for deliveries of Pfizer’s coronavirus vaccine, the pharmaceutical company is having to adjust their target after hitting supply chain obstacles, according to the Wall Street Journal.“Scaling up the raw material supply chain took longer than expected,” a company spokeswoman told the WSJ.Pfizer and partner BioNTech SE had hoped to ship out 100 million doses of their vaccine by the end of the year, that has now reportedly been cut to estimates of about 50 million.Two doses are needed for each person to be vaccinated.Pfizer did not elaborate on where the raw material shortfalls happened. They did say some raw materials in early production earlier this year did not meet their standards and they had to fix the issue.After the WSJ’s report, Pfizer’s stock price dropped and the S&P 500 fell slightly.The United Kingdom has granted emergency use of the Pfizer vaccine, and is expected to start administering doses soon. The FDA in the U.S. is considering a similar authorization, which could come later in December.As part of Operation Warp Speed, the U.S. Government has purchased 100 million doses of Pfizer’s vaccine, with an option to buy more.Roughly 20 million of those doses were expected by the end of the year once the FDA granted emergency use authorization. No word on how Pfizer’s shipping delays could impact this number.Pfizer says their production lines in the U.S. and Europe are complete and they are “confident” they will supply the targeted number of doses in early 2021. 1524

As novel coronavirus cases soar across the country, states are struggling to keep up with the demand for testing. Some states are reporting big backlogs and difficulty getting tests.“We need to actually continue doing a bunch of work in America to figure out additional approaches to do testing,” said Dr. Bob Kocher.Dr. Kocher is the former co-chair of California's Testing Task Force. The state formed the team back in March to figure out how to get everyone tested. Back then, they were struggling to do 2,000 tests a day. Now, they're doing more than 100,000 a day.“California, and most states, had giant shortages of the world’s most expensive Q-tips, called swabs, that you need to collect the samples and the people who make them couldn’t make more of them,” Dr. Kocher explained. “We worked with companies to 3-D print them and to source those from other places in the world and buy them and bring them to California.”They worked to find labs that could do high-capacity testing and expanded the number of testing sites. But as cases increased across the state and nation, five months into the pandemic, testing turnaround time is an issue.“It’s something I’m concerned about as demand for testing grows everywhere in the country and on the earth, the labs are going to sporadically have backlogs, and over time, they could have backlogs because it’s hard to make more supply of the test,” Dr. Kocher said.Dr. Kocher says it depends on where the test is sent. Some labs have backlogs and it’s a logistics issue. If the lab your test site is using is in another part of the country, it'll likely take longer to get results.In a statement, Quest Diagnostics said, "We are grappling with surging demand that is outpacing capacity. This is due to surging cases of COVID-19 across much of the United States, particularly the West, Southwest and South. We have a prioritization program to help direct testing to patients most in need. Our turnaround time for priority one patients is 1 day on average."In a recent press conference, California's Health and Human Services Agency Secretary Dr. Mark Ghaly said supply chain challenges forced the state to prioritize who gets tested first.“Surges across the nation have created challenges of getting tests processed, not just collected, and ensuring our guidelines not only say who needs to be tested but give guidance to labs on which specimens to process first,” Dr. Kocher said.Right now, priority means those who are hospitalized, healthcare workers, first responders, social service employees, those who are 65 and older and those with chronic medical conditions. But, we simply need more tests.“The challenge with COVID-19 is that each person infects two, three more people and that leads to exponential growth of people who are infected and exponential growth in demand for testing,” Dr. Kocher said. “The companies who manufacture tests have been extraordinary scaling up their capacity to manufacture tests they can grow them by 10, 30 maybe a 100 percent, but the demand for COVID testing is growing 1,000 percent.”The American Clinical Laboratory Association which represents Quest and other labs released a statement saying many labs are getting more test orders than they're able to process in a single day.In a statement, the company said, "We can’t do it alone. Laboratories, diagnostic manufacturers, ordering providers, public health officials, states and importantly, the federal government – including Congress and the Administration – all have a role to play in addressing the challenges hampering our nation’s response to this public health crisis."The test, Dr. Kocher says, only tells you if you're infectious at the time you were tested. It's yet another hurdle for states to tackle."So, we need to figure out what is the mechanism to test people at the right frequency to make us all safe and fell confident in going to work, school, nursing home or being an essential worker,” he said. “It’s really important.”Figuring out what that looks like means looking at new technologies, getting the government involved and working on our manufacturing sector so we have more tests and fewer logistical problems as we consistently try to keep up with the virus that seems to be one step ahead of us all. 4276
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
AUSTIN, Texas (AP) — Austin City Limits has joined the ranks of major music festivals that have been canceled because of the coronavirus. Festival organizers said in a statement Wednesday that scrapping the three-day October event was "the only responsible solution." "Austin City Limits Music Festival will no longer take place in 2020," organizers said in the statement. "We would have loved to put on another memorable show this year, however, with the uncertainty surrounding the current situation in Texas, this decision is the only responsible solution. The health and safety of our fans, artists, partners, staff, and the entire Austin community remain our highest priority."Organizers said they plan to celebrate their 20th anniversary at next year's festival in October.The announcement comes as Texas reported a record daily high of nearly 7,000 new coronavirus cases on Tuesday and Republican Gov. Greg Abbott urges people to stay home. The festival is one of the largest in the country. The Coachella music festival in California and Bonnaroo festival in Tennessee will also not take place this year. 1120
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