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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

CRAWFORD COUNTY, Ind. — A Wisconsin man drowned on Sunday when he jumped into a southern Indiana lake in an effort to save two women who fell off a towable tube and were struggling to stay afloat.According to a report from the Indiana Department of Natural Resources, an Indiana conservation officer was on boat patrol on Patoka Lake in Crawford County around 2:51 p.m. Sunday when witnesses alerted him to a possible drowning. Multiple 911 calls came in shortly after reporting that a man had disappeared in the water.Conservation officers said two females were aboard the towable tube affixed to a stationary rental boat by a rope when they fell off the tube and struggled to stay afloat.Multiple people from the rental boat jumped in to assist and rescued one of the females. One of the people who jumped in to help, Travis Ray St. Martin, 33, of Racine, Wisc., disappeared under the water.The other female, K'neisha Adams, 25, of Burke, Virginia, was rescued by a group of people from a separate boat. She was taken by medical helicopter to University of Louisville Hospital and later released.Conservation officer public safety divers recovered St. Martin's body around 7:30 p.m. Sunday.The Crawford County Coroner's Office has preliminarily ruled the cause of death as accidental drowning.Conservation officers said alcohol and drugs are not suspected of being contributing factors.The DNR said although there were adequate life jackets on the rental boat, none were in use.This story was originally published by Bob Blake at WRTV. 1545

CINCINNATI — Women who've gone through mastectomy know the experience is life-altering. There are a range of reconstruction options, or survivors can choose to "go flat."If they do that, they might only use a silicone prosthesis. But volunteers with knitting needles at Mercy West Hospital are providing a second choice."It helps you relax," Vicki Wright said.Wright knits on her porch in Ross Township, Ohio, her knitting needles quietly clicking away."Each pair takes me 3 to 4 hours," she said.Wright's not talking about socks or blankets. She's creating a lifeline back to normalcy for women who will get her work."I find them really comfortable," Sue Yates said.Under her clothes, Yates is wearing "Knitted Knockers" — soft, comfortable prosthetics for breast cancer survivors.They first came to the attention of Dr. Anna Sobolewski, a breast surgeon at Mercy West, thanks to a patient who had had a double mastectomy. That woman learned about them in a support group and chose them over her heavier silicone prosthesis."When I saw her back in the office for a visit, she pulled out the knitted knocker from her bra and said, 'This is the best thing ever,'" Sobolewski said.Wanting to give her survivors another option, Sobolewski went to the auxiliary."And...asked me if volunteers would be interested in doing a project like this," said Alice Wanninger, Mercy West's director of volunteer and auxiliary services.They got on it, knitting all different cup sizes with guidelines: They must be 100% cotton — so they're soft and don't irritate surgical scars — and they have to be washable.Wright said she loves the work. For her, it's a chance to use the knitting knowledge passed to her by her grandmother to help others."She would be pleased, too," she said. "It was passed down – a family tradition with love."Wright has stitched about 50 pairs since she started the work last winter. That's making a difference for women who've gone flat after surgery.Sobolewski said Knitted Knockers fill a void as patients go through a tough journey. They help with self-image after surgery."I think it's an appearance thing – it's just all in how you want to feel about yourself," Yates said. "How you wanna look."She said they're more comfortable and not as heavy as the silicon."Women helping women — that's what it's about," Wanninger said. "We're supposed to be loving and serving each other — and we get it done."This story was originally published by Kristyn Hartman on WCPO in Cincinnati. 2498

Containers of fruits being sold at Walmart in nine states were recalled due to a listeria risk.On Saturday, the Food and Drug Administration posted on its website that Country Fresh expanded its voluntary recall, which they issued on Friday, to include various containers of Freshness Guaranteed-brand cut or sliced apples, grapes, mangos, pineapples, and cantaloupe distributed by Walmart.In a recall notice published on the FDA's website, Country Fresh said the FDA's voluntary recall came after a recent inspection."The recall is a precautionary measure due to possible health risk from Listeria monocytogenes detected on equipment used in an area near where these products are packed," Country Fresh said in the recall notice.According to the notice, the product is currently sold at select Walmart stores in Arkansas, Illinois, Indiana, Kansas, Kentucky, Louisiana, Missouri, Oklahoma, and Texas.Walmart stores removed removing the recalled product from shelves and inventories immediately. Shoppers who "have any recalled product on the list should not consume it and discard it immediately," according to the notice.The notice says the "best if used by" dates are between Oct. 3 and 11.You can see the entire list of recalled items and UPC numbers by clicking here.There have been no reported illnesses from the products to date, according to the notice.The original recall was for cut watermelon shipped directly to Walmart and select RaceTrac's stores in Arkansas, Missouri, Illinois, Oklahoma, and Texas. 1523

CINCINNATI — Jonathan Frierson of Lincoln Heights, Ohio says he's honored to have known Sen. John McCain personally as his bus driver.“Driving the 'Straight Talk Express Coach' for Senator McCain,” Frierson told WCPO. “Got started in 2000. I was a backup driver.”  By February 2008, though, when McCain was running for president and made a campaign stop for a rally at Memorial Hall, Frierson was behind the wheel and standing beside the door when McCain got off the bus.McCain had called him in 2007 to take over, Frierson said.Frierson said he liked that McCain called him by his nickname.“He always called me 'Fry,' ” Frierson said.Frierson flipped through a scrapbook and saw himself in several photos and newspaper articles with McCain, who died Saturday after a long fight with brain cancer.“Felt honored," Frierson said. One picture in a newspaper clipping from Aug. 29, 2008 showed McCain and Frierson sitting side by side at a Skyline Chili. McCain was looking over the menu. 1032

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