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Beginning in December 2004, you will be able to get a complimentary annual copy of your credit report. Then getting your credit report will be even easier. Instead of needing to go to the three major bureaus, you will have the ability to go to a central source with a toll totally free number or a website.
So when in doubt, ask your consumers what they believe. Provide them a choice of a few domains you have actually narrowed it down to, and use a reward of some sort to motivate involvement. It works, and you'll end up avoiding pits along the method.