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— one of the first efforts to measure the breadth of the assaults -- found that at least 170 county, city or state government systems have been attacked since 2013, including at least 45 police and sheriff's offices.The firm compiled all known instances of ransomware infections of local government systems, a type of cyberattack that encrypts a computer's files, where the attacker demands payment — usually in bitcoin — for a key to unlock them.The federal government and the FBI do not track the attacks nationwide.22 known attacks this yearThere have been 22 known public-sector attacks so far in 2019, which would outpace 2018, and that does not take into account that attacks often aren't reported until months or years after they're discovered.The latest major city to be hit is Baltimore, which was infected with ransomware Tuesday. It has quarantined its networks and been forced to provide most of its municipal services manually."It's frustrating. It's unfortunate. But we're working through it," Baltimore City Council President Brandon Scott said in a news conference Friday.At the end of March, New York's state capital, 1136

YOSEMITE NATIONAL PARK, Calif. (AP) — A Romanian tourist has died in a fall near a waterfall in Yosemite National Park in California.Authorities say 21-year-old Lucian Miu was scrambling on wet rocks below Bridalveil Fall on Wednesday when he fell about 20 feet. He died at a hospital.The Fresno Bee says two other people were injured in separate falls in the park this week.One had hiked to a viewing platform below Bridalveil Fall on Monday and then slipped while climbing up a boulder field toward a pool at the base.The other slipped off a boulder at Lower Yosemite Fall and fell into a creek Thursday, becoming trapped underwater between rocks before managing to escape. 683

Your credit card issuer can lower your credit limit at any time, regardless of how well you manage your account. Issuers might cut credit limits to minimize risk in an uncertain economy, as many cardholders have experienced during the COVID-19 pandemic in 2020. Or they may do it when cardholders regularly use what the issuers see as too much or too little of their available credit.Credit card companies determine your credit limit by evaluating several factors, like your credit score, your income, the available credit you already have and how much of that existing credit you’re using. Ultimately, though, they can increase or decrease limits whenever they want.When can a credit card issuer reduce my credit limit?Although credit card issuers can lower your limit at any time, they are most likely to do so when:You use too much of your available credit: When a cardholder regularly maxes out their credit limit or carries high balances, credit card issuers may view it as a sign of financial trouble. As a result, they may cut your credit limit going forward to minimize their own risk. This is especially true if you start paying late or missing payments.When the card is inactive or seldom-used: The company that issued your credit card makes money only if you use the card. (That money comes from transaction fees and, if you carry a balance, interest.) If you rarely use it, the issuer may be inclined to reduce your limit and, effectively, allocate that available credit to someone else who’s more likely to generate income for the issuer. If you let your card sit for too long without using it at all, your issuer might close your credit card entirely, leaving you with a potentially damaged credit score and no card to use.When the economy is uncertain: Credit card issuers have been known to reduce credit limits to minimize their risk when the economy is uncertain. Most issuers cut credit limits during the Great Recession, according to a survey by the Federal Reserve. They also did so in response to the COVID-19 economy.Can credit card companies lower your credit limit without notice?Credit card companies are not required to notify you about lowering a credit limit unless it will lead to an over-the-limit fee, which is unlikely since many issuers no longer assess this fee. In most cases, credit card companies are required to notify you 45 days ahead of time about any changes to your account’s terms and conditions, but this is one exception.Though credit card issuers aren’t obligated to notify you about a credit limit decrease, it’s common for them to do so. If you do receive such a notice, it might include a reason why the issuer trimmed your credit limit. You might even be able to ask to keep your current credit limit, depending on the reason for lowering it.Can I avoid credit limit reduction?You might be able to avoid a credit limit reduction, but it will likely depend on your issuer and your track record on managing your credit. The best attempt at avoiding one is to contact your issuer as soon as you learn that your credit limit is changing. You have nothing to lose by asking the company to consider keeping your prior credit limit.If you’re on the brink of maxing out your credit card or you’re using a lot of your available credit, it may be more difficult to persuade your issuer to leave your credit limit alone. Cardholders whose limits were slashed due to inactivity may have better luck.Act fast to contact your credit card issuer as soon as you get notice, if you get any. If you wait too long, you might have to undergo a credit check to get a credit limit increase, and there’s no certainty that you’ll get bumped back up to your previous amount.Will a decreased credit limit affect my credit score?A lower credit limit can affect your credit score if it materially changes your credit utilization ratio, the percentage of your available credit you’re using. Utilization is a key factor in your credit score. A rule of thumb is to use less than 30% of your available credit.Even if a reduced limit pushes you over that percentage, the effect doesn’t have to be permanent. Stay on track with payments and get your debt down, and your credit can recover.More From NerdWallet6 Credit Card Scams and How to Avoid ThemIs It OK to Never Have a Credit Card?Today’s Definition of Financial Adulthood Is More Flexible Than EverMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 4485

in an attempt to chase down a car that rear-ended him.Olufemi S. Olomola, 38, was charged with two counts of abduction, reckless driving and felony hit and run for the Monday night incident.John Murray and Tameka Swann said Olomola picked them up from their home just before 8 p.m. Monday for a night out on the town.But, shortly after pulling away, they said someone rear-ended their Uber on Chamberlayne Avenue.“Our Uber attempted to pull over so that they exchange information, but the car didn’t stop behind us. They went around us and sped off and that’s when our Uber sped off behind him,” Swann said.Murray began to stream their trip on Facebook Live from the backseat.The driver pulled onto West Broad Street and raced through several red lights, according to the video.The couple said an SUV then crashed into the side of their car at West Broad Street and Arthur Ashe Boulevard. The video showed the driver continuing to speed away, narrowly missing a bicyclist.“At approximately 8:15 p.m. on Monday, officers were called to the 2800 block of West Broad Street for the report of a hit and run. Officers arrived and spoke to the driver who reported that while transporting passengers, his vehicle was struck by another car and that car left the scene,” a police spokesperson said.“That was the scariest moment of my life,” Swann said. “I have never been that scared in my life. It was a nightmare.”The couple says they suffered minor bruises and were checked out at the hospital.A spokesperson with Uber said they are also investigating the ride.“This driver’s behavior is concerning, and we have removed his access to the app pending investigation,” said an Uber spokeswoman.Anyone with information about the first hit and run or this incident is asked to call Detective G. Drago at (804) 646-1369.Olomola is due in court on Thursday morning.This story was originally published by Brendan King on 1909

downtown for a missing person.Four people were pulled from the debris Monday afternoon, and all were treated and released from area hospitals. However, a fifth person is still missing.Fire Chief Roy Winston said they feel they need to bring in heavier equipment to help in the search. Initially, jackhammers and smaller hand tools were being used so they didn't create more debris.Crews are searching an area estimated to be about 200-feet by 40-feet, so K9 units are being brought in to help narrow down the search area.Turner Construction will also bring in additional workers to help offload some of the concrete from the worksite.Fire crews have been working for over 19 hours at the scene, which started as a search and rescue but changed Monday around 7:45 p.m. local time to a recovery effort, according to an email sent from City Manager Patrick Duhaney to members of City Council."It goes without saying that this is a horrible tragedy," Duhaney wrote in the email. "Our thoughts are with the family of all those affected, particularly the individual who has not yet been found. We are all praying for a miracle."This story was originally published by 1163

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