FREE CREDIT REPORT

You are also entitled to a free credit report every twelve months under the following circumstances:

If you have been denied credit within the past 60 days based on information in your credit report.

You are unemployed and plan to seek employment within 60 days.

Your report is inaccurate due to fraud.

You are on welfare.

Some states have enacted legislation that requires the three major credit bureaus to provide consumers with one free credit report per year. These states are MA, VT, MD, NJ, CO, and GA (2 reports per year)