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From time to time, you may need to get in touch with the three major credit bureaus — Experian , TransUnion and Equifax — for various reasons, including freezing your credit , which money expert Clark Howard believes is the best way to protect your identity. At Clark. In January , I documented the steps as well as the wait times it took for me to talk to a real person at the following credit bureaus:. Wait times may be longer if you call during peak hours, so try to call early in the day. Also, note that each of the credit bureaus has several phone numbers, each for different issues. All the credit bureaus route callers to self-service options.

Contactostransoviedo

A transgender person often shortened to trans is someone whose gender identity differs from that typically associated with the sex they were assigned at birth. Being transgender is distinct from sexual orientation , and transgender people may identify as heterosexual straight , homosexual gay or lesbian , bisexual , asexual , or otherwise, or may decline to label their sexual orientation. Many transgender people experience gender dysphoria , and some seek medical treatments such as hormone replacement therapy , gender-affirming surgery , or psychotherapy. The legal status of transgender people varies by jurisdiction. Many transgender people experience transphobia , or violence or discrimination towards transgender people, in the workplace, [21] in accessing public accommodations, [22] and in healthcare. Before the midth century, various terms were used within and beyond Western medical and psychological sciences to identify persons and identities labeled transsexual , and later transgender from mid-century onward. Psychiatrist John F. Oliven of Columbia University used the term transgenderism in his reference work Sexual Hygiene and Pathology , [35] [36] [37] writing that the term which had previously been used, transsexualism , "is misleading; actually, 'transgenderism' is meant, because sexuality is not a major factor in primary transvestism. By , the concept of a "transgender community" had developed, in which transgender was used as an umbrella term. Between the mids and the early s, the primary terms used under the transgender umbrella were "female to male" FtM for men who transitioned from female to male, and "male to female" MtF for women who transitioned from male to female.

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The commitment of our physicians also extends to being actively involved in several professional boards as well as writing key research in the areas in which we specialize.

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