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Newby to the whole process

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Good Afternoon! I am new to this whole credit process...in terms of cleaning it up. I have a very low credit score with no open credit cards. I need too know how to obtain a credit report with all three scores listed....for free if possible. Then how do I begin deciphering through where to start? Someone help, please.


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Order your free reports from www.annualcreditreport.com. Get the reports by U.S. Mail. There is a PDF on the site that you can print and mail in.

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