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look folks. this is easy. your information is NEVER out of date unless YOU decide that it is. any company or bank, with which you are doing business, will take it on faith that your information is "current" until you decide to inform them that you have moved, changed your phone number, updated your shoe size, or any other information that may be necessary. if, for any reason, the bank (or paypal) should need anything from you, they have more secure ways of contacting you
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