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  July 4, 2009   
  Saturday 2:34 am   
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  Request a copy of your credit reports. There are 3 major credit reporting bureaus, Experian, Equifax, and TransUnion.   Check your report carefully. Check for errors to to be corrected.   Contact the credit reporting agency with a registered letter and by calling them. They'll ask you to show proof of the error.  
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