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Good thing you are running out, I'm sure your mother likes her privacy.
The first line of my cut and paste was the very first line of section 604.
As far as the rest of your nonsense, anyone legitimately checking your credit should have already disclosed it to you beforehand -- except for the national security type stuff.
You don't go get a car loan without telling them they can check your credit. Same thing with a mortgage, a credit card, etc.
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