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It takes a little bit of an effort to collect all of the details it takes to create your credit report, not to mention that this day in age, everyone is out to make money. Hope this answers your question.
You can get a free annual credit report from the government site: http://funadvice.com/r/14s0idn6r67
That site even has musical ads like that other site that says it has credit reports for FREE **
**(some strings attached)
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