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It's difficult to find free credit scores and reports.

The Web is full of sites promising free credit information, but most of the time you get what you pay for. There are a few ways to get free credit reports and scores, but they're not heavily advertised.

For example, the Fair Credit Reporting Act allows you to order a free credit report from each credit bureau every year. Depending on what's happening in your credit reports, some states allow you to get a free credit report more often.

Find out how you can get valuable information with no strings attached (or as few as possible):

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