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The vulnerability arises when there is a race condition between the Page Fault handler and the write operation.

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| Aspect | Status | |--------|--------| | | Generally no, if structured correctly. Authorized user is a legitimate feature of credit cards. | | What violates law? | Falsifying application data, lying to lenders, or creating synthetic identities. | | Credit bureaus’ stance | They allow AU accounts but monitor for “piggybacking for fee” patterns. | | FTC scrutiny | Possible if marketed as “new identity” or “clean slate.” | | Card issuer policies | Amex, Chase, Citi, etc., may ban or flag paid AU arrangements. Some issuers don’t report AU accounts to bureaus (e.g., some CapOne cards). |

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