In the process of checking my credit report in anticipation of a new home purchase, I came across a open 'Care Credit' credit line I was unaware of and have no recollection of authorizing. Fortunately, it had a zero balance, no charges, and the impact was limited to a 'Hard inquiry' on my credit report and is now closed.
I do wonder how it got there.
This was a minor problem compared to the many others here.
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