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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

Country star Jason Aldean was performing when a gunman began firing on the crowd from inside Mandalay Bay. Now, Aldean is opening up about how he's been coping since the tragedy of Oct. 1, 2017.  "I think you go through a lot of different emotions of being thankful that none of your family and friends was injured. And then you feel guilty," said Aldean. "Those people are there to see your show so that's awful."Since that dreadful night in October, Aldean has struggled with the complexity of his feelings about surviving the country's deadliest mass shooting in modern history.  "And then you start doing that thing, like, 'Man, did that really happen. Did that really happen to us?' It seems so crazy. Like how could that even be a thing?"Aldean said his wife and crew were a great comfort to him, but it was visiting the injured in the hospital and the birth of his son that put things in perspective. "That helped. Going back to the hospital, going back to Vegas and seeing those people. Seeing some of the strength they were having," said Aldean. " People laid up in the hospital and smiling and laughing and just being glad they were alive."His son was born exactly two months after the Las Vegas shooting."Really to me, he just gave me something else to focus on. Something else to think about on a daily basis," he said. "Something else to keep my mind occupied where I wasn't just reliving it over, over and over." RELATED: Jason Aldean's wife posts about book from 1 October survivors Aldean has new music coming out Friday and is up for Entertainer of the Year for the third year in a row at the Academy of Country Music Awards. The awards are being held in Las Vegas at the MGM Grand on April 15. 1779

CLAIREMONT, Calif. (KGTV) — Dean Dobbins, of Clairemont, knows a thing or two about putting together a worthy set of Halloween decorations.For one, he's an electrician. For two, he's passionate about delivering for the neighborhood every year.Flashing lights, music, and animatronics make up Dobbins' yard on Channing Street."I get a lot of parents that thank me for putting on a large display. The children have a place to go to," Dobbins said.RELATED: 461

COMPILED BY California Department of Social ServicesSEARCH FOR YOUR FACILITY ONLINECommunity Care Licensing Division has compiled important information regarding licensed facilities to provide the public on an online searchable database. The information supplied on the database contains facility inspection reports, violations, inspection history and other pertinent information for prospective parents/caregivers.SEARCH LICENSED FACILITIESThis information should serve as an initial point of inquiry regarding the status of licensed facilities. Additional information about a particular facility is available from the appropriate licensing office.If your child is already enrolled in licensed care, you can subscribe to your child's facility in the database and get updates when any new information is provided about that facility.Regarding Family Child Care Homes in the Facility Database:Large family child care homes may be searched by area and contain the same information child care centers have excluding addresses.Small family child care homes may only be searched by knowing the exact facility license number; a general search will not bring up the small family child care home.Family child care homes located in Del Norte or Inyo County are not in the database.Your local Resource and Referral Agency (R&R), is also available to help you find a child care facility.CHOOSING THE BEST CHILD CARE FOR YOUR FAMILYThe Parent’s Guide to Choosing Child Care is the Department’s comprehensive publication for parents seeking child care. It includes information about the different types of child care that are licensed in California, various educational philosophies, questions to ask a prospective provider, and a checklist to take with you when you tour facilities while making your child care decision. Also available in Spanish. 1843

CLEVELAND — After the team announced it will be changing its name, Cleveland Indians owner Paul Dolan sent a letter to fans addressing the decision.Dolan said that as a fifth-generation Clevelander, he understands the impact and importance of the decision to change the name. He said while many fans may be upset that the team they grew up with will soon have a different name, the most important part of the team isn’t changing."Like many of you, I grew up with this name and have many great memories of past Indians teams: the World Series appearances, Cy Young winners, the longest win streak in MLB history, and countless other unforgettable moments that brought our team, fans, and community together,” Dolan wrote. “These memories will forever stay in our hearts, minds, and record books, and we will continue to recognize our ball club’s remarkable legacy. While I have often associated these unforgettable memories with the name Indians, I sincerely believe Cleveland is the most important part of our team name.”Dolan credited the team’s progressive history and said the decision to change the name only helps keep up with the organization’s high standard.“Ultimately, we found our organization is at its best when we can unify our community and bring people together around our shared interest in our home team – and we believe a new name will allow us to do this more fully,” Dolan wrote. “We often celebrate being the first team in the American League to have an African American player in Larry Doby and the first African American manager in Frank Robinson. These forward-thinking acts by our predecessors have helped shaped our team and community, and today’s decision helps us continue to live up to these high standards and expectations.”When the team announced the decision to change the name, it was made clear that this was not going to happen overnight and that while the process is ongoing, Cleveland’s baseball team will still go by the “Indians.”“Our decision to change the current name is phase one of a multi-phased process. Future decisions, including the new name and brand development, are complex and will take time. We believe our new name will take us into the future and proudly represent this storied franchise for decades and generations to come. In light of the importance, we will not rush these decisions,” Dolan wrote to fans.Dolan ended his letter to fans thanking them for their support and said his love for baseball and the city of Cleveland is a driving force behind his belief that the organization can make a “positive impact within our city to unite and inspire those around us to do the same.”Read his full letter to fans below: 2683

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