Update on free credit reports. The three companies are being a little sneaky. You are entitled under the Act to get all 3 reports from all 3 major credit agencies. The online process however only sends you to one agency to get one report. You have to go back to the beginning and select another agency and repeat to get the other ones. It's worth doing because the three don't cross check data. So a clean report from Experian for example does not mean Equifax's is clean.
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