Easy-peasy.
The FACT Act established the free annual credit report program. Everyone is entitled to a free copy of their credit report once per 12 month period.
Go to https://www.annualcreditreport.com/cra/index.jsp and fill in the blanks.
Yes, it's legit. Check the FTC website to confirm.
http://www.ftc.gov/bcp/conline/pubs/credit/freereports.shtm
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The souls of the righteous are in the hand of God, and no torment will ever touch them.
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