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Your credit report affects your ability to get a loan or job, and could help you avoid identity theft. You can get a truly free credit report from AnnualCreditReport.com.
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The procedure for getting the free credit reports online was relatively quick and easy. You have to pay separately to get your credit scores. Detailed online reports included account-balance history and a look at who's recently inquired about your credit.
There are lots of places you can get your credit report and credit score online. The catch is these sites will make you pay for the information.