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Equifax for example provides a "business partners" program that costs about $300 to join. Half of this fee is for membership and the other half is to cover the cost of conducting a federally mandated on-site investigation of your business. The investigators will make sure that you are who you say you are, and that you have a legitimate use for this information. Once you've been cleared, you can order consumer credit reports at about $4 each.
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