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COVID-19 isn't the only concern with the upcoming election.The FBI and Department of Homeland Security are warning local governments about possible ransomware attacks, something like malicious software blocking officials from access to voting systems.Experts think that is more of a likely scenario than altering actual votes.“The only way to ensure confidence is to demonstrate that you've done everything you possibly can to facilitate that safe and secure election,” said Maya Worman, Executive Director of Election Cyber Surge Initiative.The initiative is led by the University of Chicago. It’s pairing local election officials with volunteer cyber security experts to address specific areas of cyber security concerns.“And the biggie, I think, is human error, user error, whether that is accidentally sending sensitive information to the wrong person, not having a strong password management system, sharing passwords,” said Worman.The pandemic is adding further complications, with just more than 90 days to go.Worman says they felt the urgency to be proactive in helping election officials.“Now, we’ve got so many people working from home on their own devices,” said Worman. “An organization has no insight into what the security around your home, Wi-Fi or home devices, is.”This free resource is invaluable for elections. Some states rely on staff or federal assistance for cybersecurity. Others pay private companies.The pandemic could mean a reduction in volunteers, a new need for PPE and an influx of absentee ballots. 1538

COPENHAGEN, Denmark (AP) — Authorities say the number of passengers on a Norwegian cruise ship who have tested positive for the coronavirus has reached 43.The outbreak on the MS Roald Amundsen has raised new questions about safety on cruise ships during the pandemic even as the industry is pressing to resume sailings after shutting down in March.The ship’s owner, Hurtigruten, has halted all trips and Norway closed its ports to cruise ships for two weeks.Since the cruise line often acts like a local ferry, traveling from port to port along Norway’s west coast, some passengers may have spread the virus to local communities. 637

Congratulations to the newest United States Senator @SenMarkKelly. I know he’ll serve the people of Arizona well, and I look forward to working together to build this country back better.— Joe Biden (@JoeBiden) December 2, 2020 235

Consumers are looking for greater protections for their personal and financial information in the wake of the Equifax data breach. Many have decided to take precautions and put their credit on ice: a credit freeze.A credit freeze aims to block anyone from opening new accounts in your name. The catch is that the block applies to legit inquires, too. So it's not a great idea if you're shopping for a home or an auto loan. But when you're not looking to take out any loans or open any lines of credit, it can be a financial lifesaver.The Equifax hack, in which the names, Social Security numbers, birth dates, addresses, and driver's license numbers of 143 million people were exposed, may create a new normal in which protections previously viewed as cumbersome -- like credit freezes -- are now a valued line of defense."A security freeze is the most effective measure against 'new account' identity theft, because it stops thieves from using the consumer's stolen information," says Chi Chi Wu, a staff attorney at the National Consumer Law Center.Here's what you need to know about freezing your credit:What is a credit freeze?A credit freeze limits who can see your credit report information. The goal is to prevent anyone from opening any new accounts. It doesn't damage your credit or stop your credit report from evolving by your own actions.Your credit information will still be released to your existing creditors and any debt collectors who may come calling.But, if you want to open new lines of credit, you'll need to lift the freeze first. This can be done temporarily, either for a set time or for a particular party, like a landlord or lender.The costs to freeze and lift the freeze on your credit vary based on where you live and for each credit reporting agency, but commonly range from to per agency.If you're a resident of certain states -- like Maine or South Carolina?-- it's free.In response to public outcry, Equifax announced that fees to freeze your credit will be waived for the next 30 days.But even that doesn't totally protect your information since your data isn't fully frozen until it is on ice at all three credit bureaus. The other bureaus have their own fees. It's also unclear whether Equifax would still charge you a fee to lift the freeze. The company did not immediately respond to request for comment.Consumer protection organizations like the National Consumer Law Center are further calling for Equifax to waive the fees for credit freezes at all three credit bureaus.How is it different from fraud alerts or other credit monitoring?The credit reporting companies do little to make getting a credit freeze easy: you have to ask each of them individually, pay a fee (usually) to put it in place, ask each of them specifically to lift the freeze and often pay another fee. That's because your data is the product that they sell to other people and companies. If you freeze it, it isn't as valuable.As such, they are more likely to offer you fraud alerts and other credit monitoring products. These are services that will let you know when someone is looking at your credit and may contact you about a new account opened in your name. It's helpful, but it is often after the fact."Equifax is offering something that it says functions like a credit freeze," says Mike Litt, consumer program advocate with US Public Interest Research Group. "The problem is that it is incomplete protection and it only lasts for a year. What we're recommending is that people don't bother with the package Equifax is offering and just place freezes with the three credit bureaus instead."Can I still get a credit card or loan?Sure. When your credit is frozen you can continue to operate your financial life just as you typically would. The only notable thing is that you will need to notify the credit bureaus to lift the freeze before you ask a lender to approve you for credit.If you are able to determine which credit agency your potential lender is using to run your credit, you can even save yourself some fees by just requesting the freeze to be lifted on that one.The reporting agencies tell you that this may delay a legitimate credit request.But for those who don't feel comfortable with the way the credit reporting agencies are handling their treasure trove of personal information, a notification to the agencies and day or so delay may be a fair price to pay for added security.The agencies advise you to plan ahead and lift a freeze a few days before actually applying for new credit.How do I freeze my credit?With millions of people feeling vulnerable after the hack and scrambling to secure their most important information, getting a credit freeze has been more difficult than usual in the past few days. Users on Twitter report trying again and again to secure credit freezes, with both the website and phone systems failing.Keep trying.To set up your own credit freeze, go to the freeze page at each credit agency's website individually: Equifax, TransUnion,?Experian.You will be asked to provide information. If you do not want to put your information into another automated computer system, you can call the agencies directly. Usually you are given a PIN number, which is your key to lift the freeze. Do. Not. Lose.In addition to being subject to your state laws, the cost may also vary by agency.Often there is no charge for victims of identity fraud to add or lift a security freeze. Rules and fees at TransUnion, Experian and Equifax are similar, with the exception of Equifax's being waived for the next 30 days. 5652

CLEVELAND — Police in the Cleveland area now report a total of five Amazon delivery trucks have been stolen in northeast Ohio since Nov. 25, and with them, hundreds of packages. Investigators say in some cases the vehicles are taken by thieves as the Amazon driver leaves the running truck to make a delivery.Cleveland Heights Police Chief Annette Mecklenburg said that's exactly what happened on Dec. 13, after thieves stole an Amazon vehicle during a delivery."The driver was delivering a package, she had exited the truck and was putting it on the porch," Mecklenburg said. “A truck pulled up and one of the men got out and jumped in the Amazon truck and drove away. The truck had been left running with the keys in it. It is possible up to 200 packages, we believe, were in the truck at the time it was stolen. To me it’s just heartbreaking for all the people who had ordered. You know people were ordering online to be safe because they didn’t want to get sick, so many more people were ordering on-line and were looking forward to these packages and these gifts. It’s so close to Christmas, it really is sad, I feel horrible for the people who may not get these packages in time for the holidays.”Mecklenburg said the Amazon driver was not hurt, and said GPS tracking on-board the delivery truck helped speed-up the recovery effort.“Unfortunately, there were no cameras on the truck, and at this time we couldn’t find any cameras in the immediate area where the truck was stolen,” Mecklenburg said. “It’s my understanding that it’s their policy to leave them running when they exit it to deliver a package. We have heard that with some of these trucks, drivers are being robbed by people with guns.”News 5 contacted Amazon headquarters about the truck heists, and asked if these cases have the company considering delivery protocol changes, or adding truck surveillance cameras to assist police make arrests. The company responded quickly, and said the issues are extremely important to their organization, and once they speak with police the company will issue a statement.Meanwhile, Mecklenburg said the crooks will face felony theft charges when found.“Because we’re not going to give up, our detectives are not going to give up, our officers are not going to give up," Mecklenburg said. “I got to believe that there is someone out there who knows who did this, I mean we’re talking 200 packages, and they ended up somewhere.”This story originally reported by Joe Pagonakis on News5Cleveland.com. 2515