rendezvous: Today I received a letter from Harmony peer to peer finance, offering me a pre approved loan. The letter doesn't say how much the pre-approval is for - I have to call for that. The letter says I am in a select group that has been identified as having an excellent credit history. I have never had dealings with Harmoney, or provided any information to them. What right to information do they have in order to find out that I have an excellent credit history?

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This is why shredders were invented...!