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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

CORONADO, Calif. (KGTV) -- Warmer ocean temperatures are being blamed after 10 to 15 people were stung by stingrays along the beach in Coronado Tuesday afternoon. According to lifeguards, 10 to 15 people were stung by the creatures after 4 p.m. Lifeguards say ocean temperatures, which reached the mid 60s Tuesday, were to blame for the increase in stingray activity. Lifeguards added that, when ocean waters warm up, it’s common to see an increase in stingray activity, but it’s unusual to see so many stings in a single day. Crews placed purple flags along the shores of Coronado Tuesday to warn of the increase, but say tourists may not know about the dangers the rays pose. The flags can also be used to warn about other creatures, such as jellyfish in the water. The California round ray is known to feed in the shallows off the California coast. Officials say the stingrays lay partially buried in the sand while hunting, making them difficult to spot for unsuspecting beachgoers. The stingray’s barb is covered in venom and mucus that causes severe pain if it breaks the skin. To avoid stepping on the rays, lifeguards recommend shuffling your feet. If you do happen to be stung, below is a list of what you should do to treat the sting: 1. Stop the bleeding.2. Go to the nearest lifeguard.3. Soak foot in hot water to deactivate venom.4. Keep clean to prevent infection.Watch the video below for more on how to prevent stings: 1442

Creed frontman Scott Stapp will be adding “actor” to his resume, joining the cast of an upcoming biographical movie about Ronald Reagan.Stapp will be playing Frank Sinatra in the movie, Billboard first reported and Stapp confirmed on his twitter account.“Excited to (be) a part of this incredible film! Be sure to check it out!” Stapp tweeted along with a hashtag of Reagan and Frank Sinatra, and linking to the Billboard story. 436

CLEVELAND, Ohio — A 10-year-old boy has been arrested and charged in the fatal shooting of his stepmother in late September, Cleveland police announced on Friday.According to authorities, Shavonne Willis, 36, was shot multiple times in the 3200 block of East 121st Street. When police arrived, the woman's 10-year-old stepson was found at the scene with no injuries. He was originally considered a victim in the case, according to police. 461

CLEVELAND — The morning of Nov. 23 started out like any other for Amanda Zupancic. She’s a special education teacher in Cleveland. Around 11 a.m. that morning, in what would be her 3rd period class, she was in session with a middle school student and his mom on Zoom in the upstairs office of her west Cleveland home.She was suddenly interrupted with a loud noise.“I heard a glass-shattering crash downstairs,” she said. “I was like, 'hold on, I think someone is breaking into my house, just joking.' I didn’t think anyone would be breaking into my house in the middle of the day,” she said.But that is exactly what was happening.“There was a man walking though my baby gate with a knife in his hand walking upstairs,” said Zupancic. “He started threatening me, yelling at me, calling me names. He grabbed me upstairs into my bedroom.”The man began rummaging through her things, all the while Zupancic’s student and his family were still on that Zoom call listening from Lake County.In the 911 call, the student’s dad tried to explain the situation. “The teacher that teaches my son, somebody broke into her house we saw it on the Zoom,” said the student’s dad to a Lake County dispatcher.As the robber frantically searched for valuables, the dad gave as much detail to the dispatcher as he could.“I guess she heard the man say, ‘Get on the floor. I’m going to cut your f-ing throat,’” he told the dispatcher.Zupancic told the man he could have her car keys but they were downstairs. He agreed she could go and get them. She said, instead of getting the keys, she let her two dogs out.“When I reached for my keys, instead I opened the gate and I have a German shepherd and a Great Dane-boxer mix. So the German Shepherd stood between myself and this guy, and the Great Dane Boxer mix went at him,” she said.It gave her enough time to think.“I just grabbed a pair of scissors and I chased him to the front door,” she said.She continued to chase him down her street.“I started chasing him with this pair of scissors, in my house shoes, down the street, yelling 'help me, help me, this guy robbed me,'” she said.Zupancic said a local contractor working on a house in her neighborhood saw the encounter and tackled the man to the ground and detained him until Cleveland police arrived.When they got there, they arrested Charles Derosett.Derosett is charged with aggravated robbery and felonious assault as well as other charges. He is a convicted felon, previously serving time behind bars for aggravated robbery.Zupancic is still shaken up. But said between her student’s parents, her dogs, her neighbors and random strangers, there’s more heroes in this story than there are villains.“I’m lucky that there’s enough loving people in the world to figure this all out.”This story originally reported by Jessi Schultz on News5Cleveland.com. 2843

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