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According to http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm , credit reports for the purpose of determining if accuracy changes have been made do not count as the yearly report.

However, bear in mind that covers the report of the raw data. The credit score itself is not covered by that report, and they can make you pay again for that. I don't think knowing their exact score is all that useful, compared to making sure their data is accurate.



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