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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
Cyberbullying among kids related to the election is a growing problem right now. And with how divisive things are, there are concerns this won't be going away after the polls close next week.“This is a very, very polarizing and almost even more in front of kids’ faces, election than any other time in history,” said Titania Jordan with Bark Technologies.Bark Technologies currently monitors more than 5 million kids online at home. Its monitoring shows from mid-August to the end of September, there was a 25% increase in bullying overall from the beginning of July. And there was a 220% increase in severe bullying.You'd expect to see this with the start of the school year, but the numbers show this is about a 50% increase from what Bark typically sees over this period.They say the feedback they've received from parents supports the increase with a direct tie-in to election-related cyberbullying.“It’s not something that she gets to judge over or bully over or make people feel bad about,” said Kathryn Noble, whose daughter was impacted by cyberbullying. “That's not acceptable at any age but especially at 13.”Noble says her 13-year-old daughter recently blocked one of her friends on social media over them supporting a different candidate than her.Bark found around 45% of what kids are sharing is memes about the two candidates. They've found this month that messages including the word “Trump” are being flagged more frequently for depression, hate speech and weapons.Messages including the word "Biden" are being flagged more frequently for cyberbullying, because they include disparaging or belittling language.“They're being bullied even because of maybe something their parents have said or something their family says,” said Matt McKee at Bark Technologies. “Hey, this is where we stand right now and because of that, kids are being brought into those situations.”As far as addressing this cyberbullying, the tech experts we talked with say asking your kids to teach you about a certain app they are using will give you more insight into what's happening earlier.Things to watch for include changes in sleep patterns or behavior. They also say now is really the time to encourage empathy with your kids. 2229
Cincinnati Firefighters currently operating at Vine St and Central Pkwy, motor vehicle accident with entrapment. pic.twitter.com/UQ2xD24XEy— Cincy Fire & EMS (@CincyFireEMS) December 2, 2020 202
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
Congressman Duncan Hunter is continuing to stand up for his political livelihood, one year after a federal campaign fraud indictment.Voters in the 50th District re-elected Hunter in November, despite 60 federal charges of campaign fraud against him and his wife Margaret. The Hunters were accused of misusing 0,000 in campaign contributions - funding things like lavish vacations and living expenses. Now, the congressman is facing attacks and challenges from members of his own party as he pushes to renew his term in 2020. "When he was first indicted, everybody wrote his political obituary," said Political Analyst John Dadian. But Hunter, a Republican, is very much alive. He beat Democrat Ammar Campa-Najjar in 2018, and is continuing to fight the charges in Federal Court.The challenges, however, are mounting. In June, Margaret Hunter reached a plea deal with prosecutors, agreeing to testify against her husband. Plus, Judge Thomas Whelan ruled federal prosecutors can use details of Congressman Hunter's alleged affairs with five Washington D.C. area women, allegedly funded with campaign contributions, as part of their case. "I think voters in the 50th District have said, and they clearly spoke in November of 2018, that they want to wait for the courts to decide and give them a clear judgment before they decide on the political fate of Congressman Hunter," said Thad Kousser, who chairs the political science department at UC San Diego. Hunter's trial has now been pushed back to mid-January to wait for a decision on his appeal to have the case thrown out. That means voters will be getting their absentee ballots while the trial is ongoing. "They're going to have very litlte time to make up their minds after this trial," Kousser said. In 2020, California will hold its primary on March 3. In prior years, the primary would be held in June. In addition to Campa-Najjar, a Democrat, a number of San Diego-area Republicans have challenged Hunter. That includes Former City Councilman Carl DeMaio, El Cajon Mayor Bill Wells, and former Escondido Mayor Sam Abed. Hunter's spokesman and his attorney both declined to comment Wednesday. 2160