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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

CUYAHOGA FALLS, Ohio — In an assignment given out at Roberts Middle School in Cuyahoga Falls, students had to choose who they felt were "most deserving" to be saved from a doomed Earth from a list based on race, religion, sexual orientation and other qualifications.The assignment, called Whom to Leave Behind, asked students to rank the 12 people from "most deserving" (1) to "least deserving" (12). Only eight of the twelve could be saved.The descriptions of the 12 people are as follows: 508

Country singer Gretchen Wilson was arrested in Connecticut after allegedly becoming belligerent with police at a local airport. CBS affiliate WFSB reported Wednesday morning that the Connecticut State Police was called to Bradley International Airport near Hartford on Tuesday. There had apparently been a minor disturbance on an incoming flight. Authorities said Wilson became belligerent during an interview. She was arrested and charged with breach of peace.  WFSB reported that she was booked on a ,000 bond. Wilson is best known for her 2004 hit, “Redneck Woman.”   625

Comedian Jay Leno is making his way back to television.Next fall, Leno will host the revival of the comedy show "You Bet Your Life," Fox Television Stations announced in a press release."We need a familiar face to make us laugh, and we are incredibly proud and excited to reinvent this renowned franchise with the enormously talented Jay," stated Jack Abernethy, CEO, FOX Television Stations in the press release.Comedy legend Groucho Marx was the host of the legendary show more than a half-century ago."I'm thrilled to be hosting the latest version of 'You Bet Your Life,' Leno said. "One of my favorite things to do is talk to regular people and draw humor out of them. This is a comedy show wrapped in a game show that allows me to do just that."The reboot will consist of two strangers trying to win prize money by correctly answering questions about pre-determined categories, the media company said.Two pairs of contestants will participate in each episode.The last time Leno appeared on TV was when he hosted "The Tonight Show" from 1992 to 2014.The show will be broadcasted on FOX. 1098

COLUMBUS POLICE STATEMENT & ADVISORY PANEL STATEMENT 12/11/20: pic.twitter.com/djy2tfTFec— Columbus Ohio Police (@ColumbusPolice) December 11, 2020 165