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Thank you very much for the quick reply which proved to be an eye opener.

Place a fraud alert on your credit report.

This I did with Experian last night and as soon as I did I had access to my credit report. By the way, Experian says they notify the other two agencies about the fraud alert.

If there is a query, don't believe the company that no credit application is in process. Check again every couple of days until the application has progressed far enough for customer service to find it.

I did not see any new credit cards but I saw a couple of queries that don't make sense to me. One of them from a major credit card that I don't use... I need to follow up.

Thank you again for your help and insight and have a Merry Xmas.

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