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tens of millions of customers some local find themselves at risk after several major credit card hacks Target nean Marcus and Michael all apologizing and now frantic to make security changes but the best protection may come from yourself joining us this morning is Salas Collins the executive director of on track Financial education and counseling thanks for being here this is obviously a scary time for consumers identity theft can lead to years years and years of headaches absolutely the Federal Trade Comm estimates it takes 6 months and 200 hours for identity theft victims to fix the problems thatamp;#39;s five weeks working full-time on that absolutely so for the average person itamp;#39;s going to take several years to get it off your credit things like that exactly and mounds of paperwork and contacts and phone calls so talk to us who are the who are the thieves who are the people out here that actually are doing this I mean are they just in cyberspace somewhere well some of them