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At this point, it might be inevitable. Some of you will have your identities stolen.Nearly half of Americans had their personal information exposed during a breach at Equifax, the company announced last week.And it's just the latest hack. Sensitive data on about 80 million Anthem customers was accessed in 2015.These breaches are some of the worst because the information stolen (names, Social Security numbers, addresses) can be used by an imposter to open accounts in your name, steal your tax refund or your Social Security check."This is a goldmine of information for a thief," said Chi Chi Wu, an attorney at the National Consumer Law Center.When your credit card number is stolen, it's easier to fix. You call the credit card company to close the card and get a new number. In most cases, you won't be responsible for the charges. Some of the victims of the Equifax hack did have their credit card numbers exposed. Equifax will notify you in the mail if this is the case.But the credit rating bureau won't notify you directly if you're one of the 143 million people whose more sensitive information was stolen. You must go online to EquifaxSecurity2017.com to find out.First of all, don't panic. If your information was compromised, it does not mean your identity was stolen. There are some steps you can take right now, like placing a freeze on your credit reports, to help prevent it from happening.And even if everything seems fine now, you should also continue to keep a close eye on your accounts and credit reports because your identity might not be stolen right away.If you do find out that someone has created a new account in your name, you'll have to prove that you didn't open the account and you might have to clear bad debt information from your credit report.It could be a long, messy process. Here's where to start:1. Go to IdentityTheft.gov to file an identity theft reportThis is important because it will provide you with a document you'll need to send to other businesses where fraudulent accounts were opened -- not because the government will start investigating your personal case.The form asks you questions about who you are and what accounts were impacted. It doesn't ask for any other documents or even your Social Security number, said John Krebs, an attorney at the Federal Trade Commission.The website will also provide you with a recovery plan after you submit the information. The plan will vary depending on what kind of accounts were created or hacked.2. Put a freeze or fraud alert on your credit reportsYou can request the three credit rating agencies to freeze your credit. This will prevent anyone from opening additional new accounts in your name. You'll have to request to lift the freeze if you want to open a new line of credit yourself. There are usually fees to freeze and unfreeze that vary by state, but generally range between and .If this is too much of a hassle, you can put a free fraud alert on your credit reports instead. This will require creditors to take additional steps to verify your identity before issuing credit.The fraud alert usually lasts for 90 days and can be renewed. But after you fill out the identity theft report online, you can request an extended fraud alert that stays on your credit report for seven years.3. Request, in writing, to close fraudulent accountsContact the fraud department (not customer service) at each business where a new account was opened in your name to explain that someone stole your identity and request that the account be closed.The FTC provides a sample letter you can use to dispute these accounts. Include a copy of your identity theft report. In some cases, the creditor may also ask for a police report, which you must file with local law enforcement first."The creditor will have a higher tendency to believe you if you have the police report," Wu said.Ask the business to send you a letter confirming that the fraudulent account isn't yours, that you aren't liable for it, and that it was removed from your credit report.Under most state laws, you're not responsible for any debt incurred on fraudulent new accounts opened in your name without your permission, according to the FTC.4. Dispute any fraudulent information on your credit reportIf a thief uses your identity to create a new credit card account, for example, it will end up on your credit report. But you have no control over that account. If the imposter doesn't pay the bills, it can seriously hurt your credit score.You'll need to write to each of the three credit rating agencies to request that they remove the incorrect information.The FTC provides a sample letter you can use to explain the situation.You should hear from the agencies in about 30 days on how they are handling the dispute, Wu said.5. Prevent future fraudOnce you've cleared up the situation, remain vigilant. Just because you've reported an incident of identity theft, it doesn't mean it won't happen again.Keep a close eye on all your statements. Consider enrolling in a credit monitoring and theft protection service. If you've already frozen your credit reports, you'll have to temporarily lift the freeze in order to enroll in a monitoring service, according to the FTC.You should also try to file your taxes as early as possible next year -- before someone else tries to use your Social Security number to steal you return, suggests the Massachusetts Attorney General.In addition to your Social Security number, Equifax says that your driver's license number may also have been exposed. In some states, you can ask the Department of Motor Vehicles to place a flag on your license number. This will alert law enforcement to be extra careful identifying a person they pull over, according to the Identity Theft Resource Center. 5795

As the holiday season approaches, many companies are in need of temporary employees. Although these jobs are generally considered temporary, some retailers say jobs positions could lead into permanent positions. Here is a look at who is hiring:Best BuyElectronic retailer Best Buy said it will hire an unspecified number of temporary employees for the holidays. The company will host job fairs in nearly a dozen cities on Oct. 10. Also, the retailer will have on-site job interviews on Oct. 10 and 11 nationwide. To reserve a spot for an interview, click here. Best Buy said that 30 percent of its full-time employees began as seasonal workers.Dick's Sporting GoodsTaking a page from the sports world, Dick’s Sporting Goods is hosting a “National Signing Day” on October 16 to fill 8,000 positions nationwide. Dick’s said applicants are encouraged to first apply online at dicks.com/jobs,GapGap has more than 2,000 seasonal positions for this year. To apply, click here.Kohl's Kohl's said it plans to hire 90,000 seasonal employees this year. Kohl's said positions are available at 11,000 locations nationwide. For more info, click here. Macy'sMacy's said it plans to hire 80,000 seasonal employees this year. Among the more interesting opportunities, the company plans to hire 1,000 people to assist with the company's Thanksgiving Day parade. Macy's also said its hosting on-site interviews on Thursday, October 24, 2019, from 11 a.m. – 7 p.m. For more info, click here.The company said that in 2018, 8,000 seasonal employees became permanent workers.RadialLooking for a more behind the scenes position? Radial is looking to hire 21,000 seasonal employees for the holidays. Radial provides fulfillment and customer care services for retailers nationwide. For more info, click here.TargetTarget will do two rounds of job fairs for potential employees. The first round of job interviews will be from Oct. 11 to 13 and the second from Nov. 2 to 3. Target plans to hire more than 130,000 seasonal employees. Target says that minimum pay for employees will be . For more information, click here. UPS UPS said it plans on hiring 100,000 people for the holidays. UPS says that nearly one third of its workforce started as seasonal employees. The majority of positions are for package handlers, drivers and driver-helpers. For more info, click here. 1-800 Flowers1-800 Flowers said it plans to hire 8,000 seasonal employees. For details, click here. 2454

As Starbucks prepares to close its stores later this month for mandatory racial-bias training, an incident in suburban Los Angeles is showing why that training is needed.A barista at a Starbucks in La Ca?ada Flintridge is accused of printing a racial slur on a Latino customer's drinks on Tuesday.Priscilla Hernandez told CNN that a co-worker at the restaurant where she works went to the nearby Starbucks and bought drinks. It's a coffee run they make just about every day.The co-worker ordered a white chocolate mocha and an iced caramel macchiato and told the barista his name is Pedro, Hernandez said.But she said that when he brought back the drinks, she noticed that "beaner" was written on her drink instead of Pedro. "Beaner" is a derogatory term for Mexicans in the US."I asked him if he realized what they had put on his cup. He said no. So I was really upset about it, because that isn't OK," she said.Hernandez said she called the store and they told her their employee couldn't understand what Pedro had told them. They also offered a gift card."Out of all the names they could've put on his coffees for 'misunderstanding' him they decide to put 'beaner,'" she said, noting that the Starbucks employees apparently understood Pedro well enough to get his drink orders right.Hernandez followed up with a complaint to Starbucks on Twitter. The company soon responded."Thank you for letting us know, Priscilla. This is not the welcoming experience we aim to provide, and we have reached out to this customer to apologize and make this right," Starbucks said on Twitter.Hernandez said she and Pedro met with the chain's district manager Thursday morning. She said the manager was very apologetic and promised to investigate the incident.Hernandez told CNN that Pedro declined to comment for this story. Starbucks has not responded to multiple requests for additional comment.The coffee chain is planning to close all 8,000 of its company-owned stores on the afternoon of May 29 so it can provide racial-bias training to its 175,000 employees.The training was announced in response to the arrest of two African-American men last month at a Philadelphia Starbucks while waiting for a business meeting. As part of a settlement with the men, Starbucks and the city agreed to support a 0,000 initiative to encourage young entrepreneurs. 2384

Attorneys for Maria Butina and the Justice Department gave more signs Thursday morning they are negotiating a plea deal for the accused Russian spy.In a conference call with a federal judge in Washington, the attorneys said another upcoming hearing in the case should be canceled and that subpoenas planned for American University, where Butina was a graduate student, may be withdrawn by the end of this week.Both prosecutors and defense attorneys have previously indicated they were negotiating to end Butina's case.Butina was charged this summer for illegally acting as a foreign agent for Russia and accused of trying to create a back channel for Russia through activist groups, including the National Rifle Association.She is currently being held in solitary confinement at a Northern Virginia jail, her attorneys have said. So far, she has maintained her innocence, saying she was never a foreign agent and simply a foreign student studying in America.If Butina were to change her plea in the case from not guilty to guilty, she would likely return to Russia.Prosecutors previously told a court she was in touch with Russian backers and agents as she ingratiated herself with politically powerful Americans.The-CNN-Wire 1233

As you head to the stores for your back-to-school shopping, you may get suckered into buying items marked down as a sale. But there are a few things you should know before shopping if you want to save money.Jeff Kreisler, editor and chief of People Science, says in order to be a smart shopper, you have to pay attention to the "decoy price."“If something has three different versions," explains Kreisler. "The top version is too expensive, the bottom version is too cheap, and because we don’t really know how to value it, we chose what’s in the middle.”That middle item is not always the best deal. Also, don't get suckered into buying the newest item, which is usually overpriced.  712