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123Teacherspet

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Credit card debt I never had
It shows a large debt that I do not have

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Possible ID theft!!!

Immediately request hard copies of your credit report from the three main credit reporting agencies, examine these very closely and dispute any entries on your report that you positively KNOW you didn't initiate.  And notify the agencies to place a fraud alert on your accounts so they have to notify you if any requests for new credit come in.  The faster you do this, the better. 

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