Free Annual Credit Reports
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Use this link to obtain your free credit report

Opt Out of Pre-Approved Credit Card Offers
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This is important. Each one of those offers may represent another inquiry on your credit file, which ultimately negatively affects your overall credit score.

Fair Credit Reporting Act
Download a PDF file of the complete laws governing your rights when dealing with the credit bureaus.

You can download a summary of your rights ( click here)

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