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Hard Credit checks
I refinanced my mortgage late in 2011. Have not applied for any credit cards or car loans or the like which are supposed to always ding the bell as a hard hit. Having nine (9) seems suspicious to me. Could this be someone trying to hijack my credit or be trying to use it in a criminal way? Haven't noticed any new accounts or cards showing up either. Am I allowed to dispute any or all of these hard hits? Thanks for you help in advance.

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