What is my consumer rights regarding credit reports and credit scores?

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What is credit repair law?
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Are there any credit repair services that don’t cost money?
How many times can I dispute an item on my credit report?
Are there any scams or frauds associated with credit repair?
How long will it take for credit repair to be successful?
How can I dispute a charge off on my credit report?
How often should I check my credit report?
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How can I obtain a copy of my credit report?

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