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You may not contact the bureaus directly for your free annual report. In addition, the Fair Credit Reporting Act provides that the three major credit bureaus must provide you a free copy of your credit report from their bureau:
If any adverse action has been taken as a result of information included in your credit report.
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After disputing inaccurate information included on your report. These requests for free reports should be made directly with the bureau involved. free government credit reports
I recommend that you check your report from each of the three bureaus each year.
