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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

CINCINNATI (AP) — The Hall of Fame second baseman Joe Morgan has died at the age of 77.A family spokesman says he died at his home Sunday in Danville, California.Morgan was suffering from a nerve condition, a form of polyneuropathy. He became the sparkplug of the Big Red Machine and the prototype for baseball’s artificial turf era.Morgan was a two-time NL Most Valuable Player, a 10-time All-Star, and won five Gold Gloves. He could hit a home run, steal a base, and disrupt any game with his daring.Most of all, the 5-foot-7 dynamo known for flapping his left elbow drove a Cincinnati team featuring the likes of Pete Rose, Johnny Bench, and Tony Perez to World Series titles in 1975 and '76.According to Bob Nightengale of USA Today, Morgan is the sixth Hall of Famer to die this year and the fifth in just five weeks.The other Hall of Famers that passed away were Al Kaline, Tom Seaver, Bob Gibson, Lou Brock, and Whitey Ford. 939

COPENHAGEN, Denmark (AP) — Volvo Cars says it is recalling nearly 2.1 million vehicles worldwide as a preventive measure after the company discovered that a steel wire connected to the front seat belts can be weakened.The front seat belts are anchored to the car via this steel cable which can be subject to wear and tear.There have been no reports of injuries or accidents linked to the fault. The Swedish carmaker says the recall has been declared to avoid future issues.The recall is the biggest ever for the brand. The affected models are Volvo S60, S60L, S60CC, V60, V60CC, XC60, V70, XC70, S80 och S80L manufactured between 2006 and 2019, The Associated Press has learned.No current models are included in the recall.Volvo Cars has been owned by China’s Zhejiang Geely Holding Group since 2010. 808

CORONA, Calif. (AP) — The parents of a mentally ill man fatally shot by an off-duty officer in a California Costco store remain hospitalized and their lawyer says neither is well enough to be interviewed by police.Attorney Dale Galipo tells the Los Angeles Times that Paola French was in a coma and in critical condition as of Wednesday. Her husband, Russell French, was in serious condition.Police in the city of Corona say detectives are continuing to interview witnesses and evaluate video and forensic evidence from the store.Thirty-two-year-old Kenneth French was shot and killed last week by an off-duty Los Angeles police officer. The officer says French attacked him without provocation. Galipo acknowledges French put his hand on the officer, but says it was hardly an attack.French lived with his parents and the family believes he suffered from schizophrenia. 878

Congressional leaders will hold their weekly press conferences on Thursday, their first since it was formally projected that Democrats would hold on to control of the chamber for another two years.Democratic leadership in Congress slammed President Donald Trump's refusal to concede the election to President-elect Joe Biden in a press conference on Capitol Hill Thursday.In comments to reporters, House Speaker Nancy Pelosi highlighted that Trump's election fight comes as the U.S. is facing an unprecedented surge in the COVID-19 pandemic.Watch Rep. Kevin McCarthy's press conference in the video below."The President and the Republicans in Congress have ignored by delay, distortion, denial. Deaths have been caused. And what are they doing now? Continuing to ignore in spite of these numbers of (COVID-19 cases)," she said.Senate Minority Leader Chuck Schumer claimed Republicans were "poisoning the well" by supporting Trump's challenge to the election on unproven claims of widespread voter fraud.Despite nearly all media outlets calling the 2020 election for President-elect Joe Biden, President Donald Trump has said he plans to challenge the results of the election on unsubstantiated claims of fraud. Despite the President's claim, no state has yet reported widespread issues in ballot tallying that would indicate the results of the election are in doubt.While House Minority Leader Kevin McCarthy mostly avoided addressing Trump's specific claims of voter fraud, he said he supports the administration's right to legally challenge the results. He added that all Americans regardless of whom they support should welcome the Trump campaign's challenges, claiming it made the process more transparent and restored faith in the electoral system.McCarthy did not directly respond when asked if he believed Trump's lawsuits would alter the outcome of the election.On Wednesday, The Associated Press formally projected that Democrats had picked up the required 220 seats in order to retain control of the House of Representatives through 2022.Pelosi's comments come as Politico reports that she and other current House leaders are on track to continue serving in their roles when the next Congress is sworn in next year.Pelosi, who is in her second stint as House Speaker (she also served in the same role from 2007 to 2011) has faced criticism from progressive members of the party who claim her moderate politics caused the Democrats to lose seats in the 2020 election.Watch Pelosi's press conference in the video below. 2535