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Re: A couple or advanced references...
In article <[email protected]>, Iljitsch van Beijnum <[email protected]> writes
BTW, about identity theft: if someone takes out a bank loan in my name, how is that my problem and not the bank's?
Because of the time it takes you to persuade other banks  that the first bank's report that you are bad debtor was mistaken. Of course, there may be "credit repair" products you can buy to help you.
 And even the first bank's debt collectors. -- Roland Perry