Chapter 3 - The Voice on the Loan

Chapter Goal: Freeze Aaron's credit and identify every account opened through the family address.
Micro-Turn: A lender confirms a large personal credit line was approved after a live identity-verification call.
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Planted Clue / Foreshadowing: The caller answered family-only security questions and used Aaron's childhood address as proof.
Cliffhanger Cut: The lender sends a still image from the verification video, and the man on the screen is Aaron's father.