There is a loophole on Experian's, Equifax's and Transunion's websites that allows people to see their credit report for free and dispute anything on it.  You just have to go to each site, click on the link to dispute an item.  The only credit bureau that gives you problems is Experian, you have to have a credit report number to view your credit report and dispute it.

You are only supposed to get free credit reports once a year through annualcreditreport.com, but this allows you year round acc...
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