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as someone who works in the credit industry, do the following:
get your free report annually from annualcreditreport.com. if you need any others, get them directly from the experian,equifax,tranunion credit bureaus. if you want scores, such as fico scores, go to myfico.com and you can get your equifax and transunion scores. Experian doesn't offer scores to the public anymore and hasn't for over a year. Enjoy
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