Many people have had very sensitive personal information exposed in the Equifax breach — Social Security numbers, account numbers, even drivers’ license numbers. Equifax is offering free credit freezes until November 21, 2017. The company also will refund fees to anyone who already paid for freezes since September 7, when it announced the breach. If you’re thinking of placing a freeze, read this first.

Considering a fraud alert or credit freeze? In the aftermath of the Equifax data breach, many people are. You don’t need to be an identity theft victim to use them – but it’s helpful to consider your situation. If you’re not sure which is best for you, here are some things to think about.

After natural disasters like Hurricanes Irma and Harvey, unlicensed contractors and scammers often come into the affected area promising immediate clean-up and debris removal. Some demand payment up-front for work they never do. Others simply lack the skills, licenses, and insurance to legally do the work.

Here are some tips to protect yourself, your property, and your money.