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Obtain a copy of your credit report from

1. Obtain a copy of your credit report from www.annualcreditreport.com, scrutinize the report, and report any inaccuracies to the credit bureaus.

2. Using the MSN Web site, determine your overall creditworthiness. At money.msn.com, go to the Personal Finance section so that you can evaluate your own debt. Follow the instructions to evaluate your own debt situation.

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