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What I Use: Credit Reports and Credit Scores. On August 30, 2011. This is part of a series of posts detailing all of the tools I use in my financial ecosystem, from accounts to services. I’ll explain what I use and why. Now that we have a basic understanding of credit reports and credit scores, lets take a look at some ways we, as consumers, can keep track of these things and use them to our advantage. Credit Reports: AnnualCreditReport.com. Credit Scores: credit.com. Monday Money – August 1st, 2011.

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