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The first warning sign came
last December, although at the time Heather Harding didn't recognize
it as such. Instead, when the letter arrived from Capital One asking
if she'd requested a credit application, Harding assumed a simple
mistake had been made. Five months rolled by without incident, but
then the red flags popped up in rapid succession. A call from her
bank, Wells Fargo, inquiring about her application for a line of
credit. The same question from Chase, where she had no accounts.
Then a message from a local Ford dealer, who said he hoped to see
her later that day with the additional paperwork they had discussed.
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