Moody's affirms Equifax's Baa1 lasting rating; stable outlook
Nyc, November 17, 2015 — Moody's Investors Service affirmed Equifax Inc.'s ("Equifax") Baa1 senior unsecured rating and P-2 commercial paper rating and assigned Baa1 rankings to Equifax's new senior credit services. The rating perspective is stable.
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Day Scan: Subprime Car Finance Fears Unfounded: Equifax; Square's IPO as …
Wall Street Journal The rise in auto-loan balances, fueled simply by subprime automobile lending (read United states Banker's coverage associated with the New York Fed report right here), should not fundamentally be considered as an underlying cause for security, Equifax's main economist informed the …
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Ex-Dividend Reminder: HNI, Equifax and Matthews Overseas
Looking at the world of stocks we cover at Dividend Channel, on 11/19/15, HNI Corp (NYSE: HNI), Equifax, Inc. (NYSE: EFX), and Matthews International Corp (NASD: MATW) will all trade ex-dividend because of their particular future dividends. HNI Corp will …
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Equifax, Inc. Quick Interest Update
Equifax, Inc. (NYSE:EFX), an increase of 137,769 shares or 7percent was observed in the short interest of Equifax the attention on November 13,2015 arrived in at 2,093,859 stocks so when per the common everyday trading of 493,621 stocks, the days to pay for are 4.
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Communicating Through Confusion: Equifax Workforce Solutions Spotlights …
During Workforce Focus, David Seifert, director, Product Strategy for Equifax Workforce Solutions, will lead a panel discussion describing helpful ways organizations can communicate employee benefits, despite a proliferation of new options and regulations.
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Equifax to Meet with Investors at RBC Capital Markets Technology, Internet …
ATLANTA, Nov. 4, 2015 /PRNewswire/ — Equifax Inc. (NYSE: EFX) today announced that Jeff Dodge, Senior Vice President of Investor Relations will meet with investors at the RBC Capital Markets, Technology, Internet, Media and Telecommunications …
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Equifax to Meet with Investors at the SunTrust Robinson Humphrey 2015 …
ATLANTA, Nov. 4, 2015 /PRNewswire/ — Equifax Inc. (NYSE: EFX) today announced that Jeff Dodge, Senior Vice President of Investor Relations will meet with investors at the SunTrust Robinson Humphrey 2015 Financial Technology, Business …
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Posted by in Interest Rates on November 29, 2015
The Impact Of Interest Rates On Currency Rates
Lowering and raising interest rates affects the currency rates on the foreign exchange market immediately and serves as an instrument influencing the value of particular currencies.
Many fundamental factors determine the supply and demand for a particular currency and its value against other currencies. Among these factors are interest rates. Central banks are the institutions that set the base rates in a country and change their levels to streamline the development of the local economy. Increasing the interest rate will result will in raising value of the nations currency while lowering interest rates should have the opposite effect, respectively.
In general, interest rates initially affect various government bonds, especially bond yields, creating demand for the currency in which these bonds are denominated, resulting in appreciation of the local currency. The economic theory presupposes such behaviour of the market participants although they often behave in a different manner and under the influence of other factors. Sometimes, investor will look for a safe haven regardless of the fact that interest rates are high in their country, because they do not believe in the local economy or consider the currency rates as unfavourable in the long-term.
Interest rates influence also the entire economy; determining the cost of lending and borrowing money, creating lower or higher money supply and demand, respectively. A factor you should consider when the matter in hand is high nominal interest rates is the level of inflation. A high inflation rate can offset against the high interest rate.
An interesting phenomenon relative to interest rates is that very often the foreign exchange market is driven by perceptions and forecasts of future interest instead of the actual levels set by the central banks. Therefore, when Forex dealers en masse believe that interest rates in a particular country might fall, they could start selling the nations currency regardless of the fact that all fundamental indicators are sending positive signals.
All these factors are important but only in the situation of a free-floating currency and open economy i.e. no excessive trade and investment restrictions and lack of restrictive foreign exchange regulations. If these conditions exist, the currency rate will be influenced by changing interest rates and will appreciate and depreciate accordingly. On the other hand, the countries offering highest yields on their bonds are not very predictable ones and their bonds usually bear higher risk for investors. Hence, the very first alarming signal relative to this country will urge the investors to divest their investment and the currency value will fall immediately, resulting in less advantageous currency rates against the major world currencies.
Taking decisions to cut or increase the base rates is a complicated process involving many high ranking officials. The central banks actions are scrutinised by other governments and market players because interest rate changes influence the exchange rate directly and indirectly. As a rule, the market reacts promptly to correct the actual currency rate of the respective currency. Nevertheless, the market as a whole will respond unexpectedly on many occasions since the Forex market is very hard to predict. Nobody can push the currency rates lower or higher if the market mood urges investors to head in the opposite direction.
Posted by in Credit Bureaus on November 28, 2015
Bad credit? Make a secured credit card be right for you
Get a card that reports toward credit bureaus. Making use of a guaranteed card makes it possible to improve your credit history, but as long as the issuer states your bank account activity towards the credit reporting agencies — the companies that compile credit history. Before getting any …
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Do You Realize Your Credit Status?
The nationwide Credit Regulator (NCR) is urging consumers to get their free credit reports so that they know their particular credit statuses and credit scores. In a joint effort, the NCR together with the Credit Bureau Association (CBA) and credit bureaus is …
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Posted by in Consumer Fraud on November 28, 2015
Avoid Counterfeit Consumer Products getting into Consumers Hands
Every enterprise is sensitive about its brand. A brand is more than just a name or trademark. It is the identity of an enterprise reflecting its intrinsic nature and character. Hence, any dilution in the brand image and reputation leads to losses, both finite and infinite. The internet and its innovations had acted in favor of brand development, yet with activities such as product counterfeiting, it has resulted in loss of brand reputation.
A majority of brand protection solutions do not have product counterfeiting detection features and only scan the internet for trademark and brand abuses. Product counterfeiting, results in not just revenue loss but also brand reputation. For instance, in case of high-tech, pharmaceutical and luxury retail good companies where the margin of loses are high, the visibility to know the exact goods that being duplicated and the amount that are discounted becomes imperative in order to stop brand erosion and continuous revenue loss. To help this situation there are eminent companies that have come up with product counterfeiting solutions that offers 24 x 7 real-time monitoring to find the violators.
These advanced solutions have high-end search capacities and are designed appropriately for counterfeit detection in a vast selection of industries. It helps in tracing the brand violators and respond accordingly. The suspect criteria are not same for all industry types. For instance, in a high tech industry products that are generally sold at high discounts, 50 percent or more are suspects. On the other hand in case of pharmaceutical industry, price is not a main criterion as much as the volume of goods that are being sold via unrecognized channels. New age counterfeit detection solution helps to spot these suspects and high volume counterfeits.
Anti-counterfeiting solution offered by eminent service providers acts in the following ways :-
Apart from searching the internet proactively for counterfeits, the solution applies human intelligence to ensure total data integrity.
The solution enables pharmaceutical companies to significantly reduce the amount of duplicate drugs in the market by recognizing networks and syndicates high volume counterfeits.
Hence, it is important that you realize that your brand reputation needs protection from counterfeiting. Apart from locating counterfeits online, the solution can also help you shut down all illegal operations. The solution can automatically send, cease, desists DCMA letters. In addition to that, it offers automatic auction shutdowns. Furthermore, it has a network of authorized investigation and legal partners, who enable to streamline the enforcement process.
Posted by in Debt Consolidation on November 27, 2015
Debt consolidation reduction United States Of America Discusses Holiday Buying
Debt consolidation reduction American shared in a recently published article some of the means consumers can approach vacation spending. This Article, called “Scared Of What Getaway Shopping May Do Towards Funds? Listed here are 5 methods to manage It,” shares how people …
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Customers centered on debt consolidation
Charge cards are now actually contending with signature loans when you look at the debt consolidating market, based on retail monetary solutions specialist Canstar Cannex. The evaluation is contained in the company's celebrity score addressing signature loans which it stated that …
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Posted by in Consumer Credit on November 26, 2015
Changes in consumer lending
On 19 November 2015 the Lithuanian President signed the amended and supplemented Law on Consumer Credit (“the amended Law”), which was adopted by the Lithuanian Parliament earlier in the month. Regulation on consumer credit activities will be …
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Consumer–credit default rates rise in October
The rate at which U.S. consumers defaulted on their auto loans, mortgages and other credit rose in October, according to a report by S&P Dow Jones Indices and Experian released Tuesday. The composite consumer credit default rate rose five basis points …
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Changes approved to consumer credit regulation
Changes approved to consumer credit regulation The Solicitors Regulation Authority's (SRA) proposed regime for consumer credit regulation has passed its latest hurdle. The Financial Conduct Authority (FCA) has agreed proposals to allow law firms to …
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Posted by in Identity Theft Prevention on November 24, 2015
How to Prevent Identity Theft From Happening
Identity theft has been the fastest growing crime in the United States for over five years in a row, and it seems to show no signs of letting up whatsoever. Consumers that are not careful and leave themselves exposed to the threats that can cause identity theft run a high risk of falling victim to a crime that can take several years to recover from.
Many consumers are not aware of how to prevent identity theft. To ensure that you are taking the proper steps to keep identity theft from happening to you, make sure you safeguard your personal information in the following ways:
Shred All Financial Documents And Other Paperwork That Contains Personal Information
Dumpster diving has become one of the most popular methods of identity theft among criminals, so be sure to use a cross cut shredder to destroy documents properly.
Do Not Provide Personal Information Over The Telephone
Another favorite method of stealing identities that thieves have been utilizing over the past few years is called “vishing”. Vishing is when someone calls you on the phone, misrepresents themselves as somebody else, and misleads you into providing personal information.
Protect Your Social Security Number
For some reason, Americans often feel the need to carry their social security cards in their purse or wallet. Not only is this extremely unsafe in regards to an identity theft risk, but it’s simply unnecessary. Keep your social security card and number stored away in a safe, preferably locked, place.
Never Click Links In Emails Sent By Someone You Don’t Know Well
There are thousands of malicious software programs that have been written over the years in order to hijack personal information from unsuspecting computer users and send the data back to a central location. Phishing, as this practice is referred to as, has been on the rise over the past decade and criminals seem to get more and more clever when it comes to finding ways to trick consumers into revealing personal information.
Use Strong Passwords
Many consumers are in the habit of using passwords such as dates of birth, mothers maiden name, pet names, and children names for the ability to gain access to email and other other secure websites. Identity thieves recognize this and are able to figure out these types of passwords easily.
Posted by in Credit Bureaus on November 24, 2015
Postcard Advertising – Hands Off Case Study #2 – Speakers Bureaus
Listed here is a postcard campaign that was lucrative in my situation some years straight back.
To get more speaking engagements, i desired to be represented by more speakers bureaus. But bureaus were inundated with information kits and telephone calls from wannabes.
For that reason, I made a decision to provide to assist bureaus marketplace themselves much better. This might cut through the clutter, and I also’d arrive at their interest as an advertising expert and a speaker on marketing, in a back-handed way.
We obtained a subscriber list of administrators of speakers bureaus and produced a postcard containing one of my advertising and marketing instant updates. Besides the total text of my 180-word Marketing instant, the card welcomed them a subscription for tips about developing their particular business from my no-cost weekly e-mail newsletter.
Six times within one 12 months, we mailed a card such as this on speakers bureau directors. The card was equivalent each and every time except it included the writing of another type of Marketing Minute.
When I did this campaign, it had been prior to the introduction of internet based postcard advertising companies. I changed the master file during my computer, took a printout of this card items to my local Kinko’s, they printed within the cards on card stock they slashed into quarters, I stuck on the bureau mailing labels and stamps, last but not least dropped them in the post-office.
Today, the process is much easier. You are able to design a postcard template online, reduce and paste brand-new content involved with it per new mailing, upload the info declare the postcard recipients just once, and also PostcardBuilder.com or any other web postcard print-and-mail business print and deliver the cards for your needs. There is no should touch or wreak havoc on mailing labels, stamps or the postcards. Simply put the order and it’s done.
And my outcomes? One bureau owner hired me for copywriting through the very first mailing and prearranged a speaking engagement for me personally a-year later on. Three other bureau proprietors we mailed to added us to their roster, with two additional bookings appearing out of that. Many bureau proprietors joined up with my advertising instant number and purchased services or products from myself many years later, or referred others who performed therefore.
Economically, the promotion brought me personally at the very least fifteen times the maximum amount of in incomes when I spent, with outcomes trickling in for significantly more than seven many years.
And I didn’t make just one cool telephone call to a bureau owner, which for me personally had been an unspeakably huge advantage!
Your reward from postcards could certainly be as satisfying as mine.
Posted by in Interest Rates on November 23, 2015
Interest Rates And Currencies
Forex is a fantastic market to begin with trading. Actually, one of several aspects that make it therefore appealing could be the rate of interest notices by the major main banks of the leading economies. Interest rate announcements tend to be arguably the most important statements that can make-or-break a currency. Also prior to the book of mortgage decision, a countrys money probably will move lots. 4XP really has a page on their site indicating the primary interest levels through the leading worldwide economies.
Interest rates are essential in determining the worth of a money of every particular nation. Currency trading is exclusive, and some evaluations are made out of other areas. Like, with trading which in addition offered by 4XP, the stock will go a great deal across the period of an earnings announcement. For that reason, it is possible to comprehend exactly how crucial any type of announcement can be. However, the money market is really liquid and moves all the time, and thus also a small statement can move the money.
Amongst the renowned central banking institutions will be the Bank of England, European Central Bank and United States Federal Reserve. There clearly was a continuing news feed that is available from each 4XP trading platform. As a result, whatever money you might be trading you are able to follow the newest economic development that may affect that currency or currency pair.
And even though interest rate journals dont happen the whole time, the key central banks are always in spotlight. This always results in much scrutiny in the major money pairs. Utilizing the unstable economic areas currently it is possible to manage currency trading with 4XP. As each money pair goes bullish or bearish you possibly can make profits on the currencies also possessions that 4XP has on provide.
Considering tomorrow, rates of interest will continue to be on key determinants of where a money appears. If you would like begin making funds from interest rate and money fluctuations you need to deposit with 4XP to see all advantages being available.
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Posted by in Equifax on November 23, 2015
Equifax Incorporated stock changes 4.39from moving average
666.084M. This presents a 0.197per cent difference between analyst objectives together with Equifax Incorporated achieved with its quarterly earnings. We've in addition discovered that Equifax Incorporated will report its next profits on February 10, 2016. The earnings …
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Development Stock in Focus: Equifax, Inc. (NYSE:EFX)
Equifax, Inc. (NYSE:EFX) has-been provided a confident Growth Style Score by Zack's analysis. The Growth rating analyzes the rise leads for a company and examining company financials. The score takes into account numerous measures of the …
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Insider Selling: Coretha Rushing Sold 25000 Shares of Equifax Inc. (NYSE:EFX)
Coretha Rushing, the Chief HR Officer of Equifax Inc. (NYSE:EFX) 110.22 +0.36 0.33% made an unexpected sell of 25,000 stocks with the average price per share of $ 106.6 within the Georgia-based company, being amounting to $ 2,663,750 United States Dollars.
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Posted by in Secured Credit Card on November 23, 2015
Secured Business Loans: The Huge Benefits
Beginning a fresh company is a hardcore task. You are going to need to arrange money for your needs. You will need lot of cash for the brand-new pasture/ Infrastructure/ farm house/ bar/ pub etc. If you should be looking for a company loan, you might desire to learn more about guaranteed loans. These financial loans support your business as well as ensure that it fulfills your growing infrastructure needs while having to pay the lowest quantity of interest.
A secured loan is usually supplied to a customer if consumer has an asset or security to pledge. The advantage of pledging security is the fact that the quantity is approved at a lesser interest. These types of loans are offered to those customers aswell who will be immigrants or those who don’t have any security to pledge however the quantity offered is less and interest is normally greater.
Everyone can benefit from a guaranteed loans since many for the financial loans are bad credit loans. The reason why a majority of these loans can be obtained to business owners is the fact that they are generally seeking to increase their particular business or start a small business for the first time. Many people without perfect credit make use of this solution to fund a company effectively. This means the fund is supplied after examining your employment record in the event you wish begin a fresh venture or you already are a small business individual than all a lending organization would want away from you may be the company files or final bills etc. You must be aware of the truth that unneeded expenses must certanly be prevented when beginning a fresh endeavor in the mean time you have to keep in mind that when you start a company it takes investment hence you need to perhaps not compromise on initial financial investment whatsoever. The recession is on high where lots of people are losing tasks; In such a case the loans become absolutely essential. You ought to often be ready for options and in your free time options when this occurs; you might help increasing work by starting a new business or by growing your online business to pay you great in the future.
MSI Credit Solutions Offers Holiday Shopping Tips
MSI Credit Solutions aims to help both community members and their customers plan for a better future. They offer credit repair and restoration services to help their clients increase their credit scores. Established in 2006, MSI is one of the leading …
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Officials tell Berks County transportation panel of Route 222 north challenges
Projects are in the works to repair most of them but credit for that's only given when the work is done. A good chunk of those spans are on the West Shore Bypass, and fixing them needs to happen at the same time as a related overhaul of the highway itself.
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In the hope of getting it fixed in time for the coronation
The Fiver assumed the tube had blown, and tasked four men wearing bowler hats and long brown jackets to haul the blessed contraption down to the repair shop, in the hope of getting it fixed in time for the coronation. Turns out, however, that the Fiver …
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How to make facial hair grow faster: tips, tricks and myths
The body uses these hours to rebuild, repair and grow – and that includes facial hair. So, skimp on your forty winks and you'll be forgoing precious 'tache growing time. Whilst you sleep, your body also relaxes and this helps minimise stress. Any …
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Credit Repair Companies: How To Avoid Being Scammed
There is a constant barrage of advertisements for credit repair companies on radio, television, print media and the Internet that target people with bad credit. They imply or directly promise that they can “fix” your credit or significantly raise and …
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Posted by in Consumer Lending on November 22, 2015
A Large Number Of Democrats Are About To Vote For Racial Discrimination At Car Dealerships
Racial discrimination in consumer financing, though unlawful, is definitely widespread. Both car dealers and banking institutions resisted the CFPB's energy to break down on racist lending practices, as higher rates of interest mean better profits for both kinds of company.
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Santander Consumer United States Of America to Exit Personal Lending
Santander Consumer USA Holdings intends to exit individual financing and concentrate primarily on its auto-finance business. To carry on, please sign in or subscribe. FREE 14-DAY. TEST. Complete usage of banking's many extensive everyday report; day-to-day, weekly, and …
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Email messages expose consumer security company's cozy ties
For more than per year before CFPB put-out its proposed rule to split down on payday lenders, the middle for Responsible Lending alongside advocacy groups, for instance the nationwide customer Law Center, worked with the company to simply help build the suggestion, …
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Posted by in Loan Rates on November 22, 2015
Michael Giusti: 7 things you should know before the Fed hikes interest rates
Home equity lines of credit have variable rates that are linked to the prime rate. That means HELOC rates rise when the Fed hikes the federal funds rate. In contrast, rates on fixed-rate home equity loans don't respond directly to the Fed. They are set …
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Poor cash flow and high loan rates among main insolvency reasons in 2015, says …
Overdue debt collection, faulty cash flow management, high loan rates and low investment results are among the leading reasons companies in Romania entered the insolvency procedure in 2015, shows a study by Coface. Overdue debt collection is one of …
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Posted by in Credit Monitoring on November 21, 2015
After you’ve had your trademark application filed, it’s absolutely necessary that you monitor your trademark in some way. The USPTO does conduct a search of their own files so if someone does file for a Federal trademark after your registration it typically is rejected. However, relying on the USPTO to protect your trademark is a mistake for several reasons.
First and foremost, the USPTO is going to operate by their guidelines, which are strict to an extent. However, they may not be strict enough for your own liking. Let’s look at a real life example:
Norcross Safety Products has a registered Federal trademark for Ladybug for “garden clogs and garden boots,” which is in International Class 25, the clothing class
TSP Fashion has a pending Federal trademark for Lady B. for clothing of all types in International Class 25 and specifically mentioned “shoes, sandals and slippers”
On the surface they look different except in looking at the record for Lady B. you can see that there is also an inclusion of a design of a ladybug. Again, the names are different but the message of the name is similar as is the industry, namely clothing. This is not to say that the USPTO is wrong in not refusing Lady B’s filing but it does prove my point.
Let’s just assume that Norcross would take issue with this mark. Unless they’re monitoring their mark in some way, Norcross would not have a clue that Lady B. is close to becoming registered.
Second, it can take the USPTO almost 6 months to conduct a search of their records. This means that a competitor can be using the same or similar name that whole time, which means you’re likely losing customers and if so, you’re definitely losing money.
Third, the USPTO only searches their records, which consist of the Federal trademarks. Yes, that’s a large number of records however State trademarks are going to be relevant to your business as well.
Let’s say your business primarily does business on the West Coast but you have plans to expand to the East Coast. A Federal trademark does give you the right to the entire country, however, if someone has a New York trademark you’ll have new hurdles to deal with in expanding that can be time consuming and costly.
Those are three important reasons why monitoring your registered trademark is a necessary part of your business plan. There are a couple of different ways you can go about monitoring your mark – 1) hire a trademark monitoring service OR 2) have comprehensive trademark research conducted every 2-3 years.
Posted by in Identity Theft Prevention on November 20, 2015
Public welcomed to identity theft prevention forums
SHELBY TOWNSHIP — State Rep. Peter Lucido, R-Shelby Township, will host two city hall conferences with identity theft experts from the Attorney General's customer cover Bureau, the Macomb County Sheriff's Office and local authorities divisions to …
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a not likely but efficient option to end identity theft: Freeze yours credit
The higher-profile the hack, the bigger the chances the affected merchant or lender will bring you complimentary identification theft security coverage. But while the Washington Post shows, they are just temporary fixes restricted to up to couple of years of …
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Could you Include ID Theft Protection towards Homeowner's Insurance?
All high-profile information breaches lately could have caused numerous consumers in order to become knowledgeable about means of protecting themselves from and in the way it is of identification theft. Credit monitoring and credit freezes are commonly known approaches to spot and mitigate …
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