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Congratulations to the newest United States Senator @SenMarkKelly. I know he’ll serve the people of Arizona well, and I look forward to working together to build this country back better.— Joe Biden (@JoeBiden) December 2, 2020 235

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

Clean air can feel hard to find right now.The American Lung Association is working help though, by supporting the production of electric cars.The association wants every car to be electric by 2050 and says the move could save thousands of lives as well as billions of dollars.“We know that air pollution is still a significant health threat,” said Paul Billings, Senior VP of Advocacy at the American Lung Association. “We know that air pollution makes respiratory infections worse and we know that climate change is impacting everyone's health today.”The association’s new report also calls for less coal power and more wind and solar. To get to their goal, they want people to learn more about electric cars.“People have range anxiety. They are afraid they're not going to be able to get as far as they need to go, but today's electric cars can go 300 miles per charge. The average daily miles a consumer drives is around 40 or 50 miles, so you would only need to recharge maybe once, twice a week,” said Billings.The association says auto and policy makers need to do a better job of advertising and selling these vehicles. They want to see more incentives to buy, and more charging infrastructure.A review of more than 700 scientific studies found traffic pollution causes asthma attacks and impairs lung function. The America Lung Association says reducing emissions by 2050 could prevent 93,000 asthma attacks.They say it could create a fairer world when it comes to health, since communities of color are more likely to live closer to major pollution sources. 1574

Citing a maritime law from the 1850s, the companies that operated a duck boat that sank during a fierce storm in July, killing 17 people, have filed paperwork asking a federal court to rule they have little or no liability for the incident.The companies said the legal maneuver, filed in Missouri, will consolidate the civil actions against them and they plan to mediate settlements with survivors and families of the victims.But one woman who survived the sinking as nine of her family members perished said the court filing finding her relatives "worthless is incredibly hurtful and insensitive."Ripley Entertainment, which operates Branson Duck Vehicles, says in its court complaint filed Monday that an 1851 law limits its liability because the amphibious vessel was properly maintained and prepared for the voyage and after the sinking it is a total loss. 868

CORONADO, Calif. (KGTV) - On Wednesday, Rear Adm. Collin Green sent notice to Chief Petty Officer Edward Gallagher that his status as a SEAL is under review, according to his lawyer.The process, commonly called a Trident Review, could strip Gallagher of his trident pin and remove him from the SEAL teams, though his rank and paygrade in the Navy would not be changed.“It’s ordinarily a procedure used for a substandard performer or somebody who’s committing safety violations,” said Timothy Parlatore, a civilian attorney for Gallagher.RELATED: Trump restores rank of San Diego Navy SEAL following war crimes caseParlatore said Gallagher is planning on retiring as soon as possible, so the move to strip his trident pin would not have any dramatic effect on his current role.“It has no legitimate value for someone about to retire,” said Parlatore. “It is purely a retaliation. They want to get their pound of flesh because they weren’t able to get it in the trial."In July, a jury acquitted Gallagher of war crime charges, including the allegation that he murdered a teenage ISIS captive and fired into a crowd of Iraqi civilians.RELATED: Navy upholds sentencing of Navy SEAL for posing with corpseBut the jury did find him guilty of posing for a photo with the ISIS captive’s dead body. He was sentenced to four months behind bars and a demotion to E-6 — or Petty Officer First Class.Last week, President Donald Trump stepped in, restoring Gallagher’s rank and pay grade back to Chief Petty Officer.The White House released a statement that read, in part, “As the President has stated, 'when our soldiers have to fight for our country, I want to give them the confidence to fight.‘"RELATED: Navy SEAL Edward Gallagher demoted a rank, docked pay for four monthsParlatore said the decision to initiate a Trident Review for his client is mostly symbolic but plans to fight it.“Chief Gallagher has no intention of quietly retiring,” he said.Parlatore also directly targeted Rear Adm. Green, who oversees the Navy SEALS.RELATED: Navy SEAL on trial: DNA experts, more SEALs testify in Edward Gallagher trial“If I were in charge, I would arrest Admiral Green and have him charged with witness retaliation,” Parlatore told 10News.A spokesperson for the Navy SEALS did not respond to requests for comment by 10News. Cmdr. Sarah Higgins, a spokesperson for Navy Secretary Richard V. Spencer, did not comment directly on the review, but wrote in a statement, “Secretary Spencer supports his commanders in executing their roles, to include Rear Adm. Green.”The review hearing is scheduled for Dec. 2 and 4 in Coronado. 2617