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You can get your Credit Report for FREE once a Year, or anytime you have been denied credit.
I have not seen a place that gives all 3 scores for free.
It is best to pay the fee, get all THREE reports, and all THREE scores, they can be completely different.
Remember applying for credit drops your credit score, so print out all three and scores take that around, explain your reasons, some places will still not take this, but it helps.
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