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Anybody who makes use of a  http://getmyfreecreditreport42.tumblr.com/post/143958478378/how-do-i-get-my-free-credit-report  score report or one other sort of consumer report back to deny your application for credit, insurance, or employment - or to take another adversarial action against you - must inform you, and should give you the name, handle, and phone number of the agency that offered the data.