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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

Confirmed worldwide cases of the novel coronavirus broke the 10 million mark on Sunday morning, according to a database kept by Johns Hopkins University.Nearly 500,000 people have died after contracting the virus, according to Johns Hopkins. As of Sunday morning, there were about 499,000 confirmed deaths linked t the virus.The vast majority of confirmed cases and death have occurred in the U.S. More than 2.5 million people in the U.S. are confirmed to have contracted the virus — representing one-fourth of all worldwide cases. More than 125,000 people in the U.S. have died of COVID-19.The milestone comes as the U.S. experiences a new surge in cases. Thursday, Friday and Saturday all saw at least 40,000 new COVID-19 infections — the highest ever recorded since the pandemic began. 796

COLUMBUS, Ohio — Ohio House Speaker Larry Householder and four of his associates have been arrested on charges in relation to “what is likely the largest bribery, money laundering scheme ever perpetrated against the people of the state of Ohio," one that allegedly involved at least million passed through a 501c4 organization controlled by Householder and other entities for the purpose of passing HB6 in 2019, a law that provided a .5 billion taxpayer bailout to FirstEnergy.U.S. Attorney for the Southern District of Ohio David DeVillers spoke with reporters about the 81-page indictment of Householder and his associates on Tuesday afternoon.-DeVillers alleges that in exchange for million in dark money funneled through a 501c4 named Generation Now, Householder and his co-conspirators furthered the affairs of the enterprise.-Devillers said the scheme was bribery, “pure and simple,” a “quid pro quo” and “pay for play,” citing the enterprise’s own words.-Company A, which was not identified during the news conference due to the regulations and rules at the U.S. Attorney’s office, provided million in exchange for a .5 billion bailout.-Householder created Generation Now, a non-profit entity that, unlike PACs and SuperPACs, does not have to disclose its donors.-501c4 organizations are supposed to be operated to promote social welfare. They cannot benefit a shareholder or individual, or engage in direct political activity, which it did in this case, Devillers said. “Not a dime went to any social program,” he said.-Householder’s co-defendants are political advisers and lobbyists who worked in different capacities in the enterprise, DeVillers said.-The enterprise began with millions of dollars filtered through Generation Now and other entities to support candidates who would vote to elect Householder as Speaker and attack political rivals who would not. “It was very successful,” DeVillers said.-Of all the individuals who were funded through Generation Now and the other filter entities, all voted to elect Householder as speaker.-Once he was elected speaker, and had his so-called “power base” of representatives, millions more were funneled from Company A to Generation Now and other entities to get HB6 passed, a bill that subsidizes First Energy’s nuclear and coal power plants with .5 billion of Ohio taxpayer dollars.-Commercials, mailers, flyers, which ultimately came from Company A, were used to support HB6’s passage.-After the bill passed but before it was signed into law, a ballot initiative was started to attempt to reverse the bill.-At that point, tens of millions more went from Company A to Generation Now and its filters to defeat the ballot initiative, which was ultimately successful, DeVillers said.-Throughout this process, Householder and his associates were “able to line their pockets” with the dark money passed through Generation Now.-DeVillers alleges millions went to the personal benefit of Householder and his associates, including 0,000 to pay off a lawsuit against Householder, and another 0,000 toward a house in Florida.-The case came from an unnamed whistleblower, officials said.-The FBI confirmed that agents were carrying out "law enforcement activity" at Householder's farm property in Glenford in southestern Ohio Tuesday morning, along with the Perry County Sheriff's Office.After the U.S. Attorney's news conference, Gov. DeWine issued this statement calling for the speaker to resign:"I am deeply concerned about the allegations of wrongdoing in the issued today by the U.S. Attorney’s Office. Every American has the presumption of innocence until proven guilty. Because of the nature of these charges, it will be impossible for Speaker Householder to effectively lead the Ohio House of Representatives; therefore, I am calling on Speaker Householder to resign immediately.“This is a sad day for Ohio.”Lt. Gov. Jon Husted also issued a statement calling for the speaker's resignation:"As a former House Speaker, it makes me incredibly sad. With the announcement of today’s criminal complaints, the Speaker can no longer effectively perform his duties and should resign. Ohio is in the midst of a pandemic response and economic downturn, and the institution of the House of Representatives must remain operational, and the integrity of the office and the institution must be restored.”Read the complete 81-page criminal complaint filed Tuesday against Householder and his associates here.This article was written by Ian Cross for WEWS. 4530

COVINGTON, Ky. — Holy Cross High School's graduating valedictorian and student council president learned hours before Friday night's graduation that they would not be allowed to deliver their planned — and, they thought, pre-approved — speeches at the ceremony.They found a pair of megaphones and delivered them outside. "The young people will win," valedictorian Christian Bales said, "because we're finished being complacent."The 18-year-old from Cold Spring, Kentucky had hoped to celebrate the rising tide of American youth advocacy across the political spectrum, mentioning both the Marjory Stoneman Douglas High School students who have campaigned for reformed gun laws and his own classmates who had attended the March for Life in January, and encourage his classmates to continue striving to make their communities better."We are dynamic, we are intelligent, we have a voice, and we're capable of using it in all communities," he said in his speech. "We must take what we've learned in this community and apply it to the world we are about to encounter."Bales' mother, Gillian Marksberry, said Bales and student council president Katherine Frantz had believed their speeches were approved before an "out-of-the-blue" Friday morning call from Principal Mike Holtz to both their families. Holtz held an "emergency meeting" that ended in a declaration the diocese did not feel the two speeches were appropriate for the ceremony, Marksberry said.Holtz related to her that the diocese characterized them as "aggressive, angry, confrontational" and too personal for the graduation stage. "I can send you a copy of my speech," Bales wrote in a Twitter message. "It's anything but those things. … The irony is that my speech has a lot to do with voices, but our voices are being stifled."He added he believed he and Frantz had been treated with undue scrutiny because of their advocacy for issues of social justice. Bales is openly gay and has participated in youth activism surrounding issues such as the Jefferson Davis statue in the Kentucky Capitol building. "The president is my best friend and we've been two huge advocates for social reform in our community, which has likely put us on the radar for the diocese," he said.Marksberry described her family's experience — as anxiety-inducing and hectic as that of any family preparing for a graduation, plus the Friday morning bombshell — as "shocking" and "very, very emotional." Her daughter had attended and graduated from Holy Cross years earlier without incident, she said, and their family was a longtime part of the diocese. During all that time, the principal had never called her personally to discuss her children until the week of Bales' graduation.The first call, she said, was about the dress code. Bales describes himself as "very gender-nonconforming," so Holtz reminded Marksberry that diocesan officials would expect him to wear slacks, formal shoes, a conservative hairstyle and no makeup.That was uncomfortable — "You've never called me about my child, but you're calling someone else who doesn't know my child about my child?" she said — but Marksberry understood. The next call was about Bales' speech. Initially, she said school and diocese officials claimed to be rejecting the two speeches because Frantz and Bales had failed to meet a deadline. When she told them the students had never been given a formal deadline, the speeches' content rose to the top of the concern list."School officials and representatives of the Diocese of Covington reserve the right to review and approve all student speeches to be presented in public at high school graduations," diocese spokesman Tim Fitzgerald said Friday night. "When the proposed speeches were received, they were found to contain elements that were political and inconsistent with the teaching of the Catholic Church."He repeated that the students had failed to meet a deadline to turn their speeches in to faculty. Holy Cross principal Mike Holtz and district superintendent Michael Clines did not respond to requests for comment. Bales and Frantz delivered their speeches outside, through megaphones, after the ceremony. Marksberry said the general staff of Holy Cross High School had been supportive of her son and found ways to "help him embrace himself," and she did not bear the district any ill will. "We don't want to be vindictive, we don't want to be vengeful," she said. "That's not what this is about. He's earned the right to have a voice."Bishop Roger Foys, who oversees the Diocese of Covington and who typically distributes awards at Catholic schools' graduations, did not attend the ceremony. His seat stood empty on the graduation stage.Bales will attend the University of Louisville on a full-ride scholarship in the fall. He plans to major in biology and become a conservationist. You can read his speech in a Google Doc here. 4992

CORONADO (KGTV) - The trailblazing woman who became the first female coach in the National Football League is bringing her football camp for girls to Coronado.Her "Grrridiron Girls" event will be held Sunday, June 3 at Tidelands Park. Several former NFL players will help coach, including Billy Ray Smith and Gary Plummer."This is traditionally a game that girls are told they can't play or don't play, and I want them to know that there is no game that you cannot play and no field you don't belong in or on," Welter told 10News.Jen Welter made history in 2015 when she was hired by the Arizona Cardinals as a linebackers coach.Since then, she has chosen to turn her attention to working with children, hoping to empower girls to know they can participate in any sport they want."I don't care if they don't want to play football for the rest of their life, but don't tell them they can't," Welter said.Parents can register their daughter at https://www.jenwelter.com. 986

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