Credit Loan > Free Credit Report > What? I Can Get My Free Credit Report More Than Once A Year?

Multiple Credit Reports for Free Annually

Yes, under the Fair Credit Reporting Act (FCRA) you are entitled to order your free credit report from all three credit reporting bureaus, Experian, TransUnion, and Equifax once each year. But, there are special circumstances when you will be able to get additional free credit reports even if it has been less than one year since you received your last free report.

If someone has taken action against you because of information on your credit report you may request a free report. For instance, If you have been denied a loan, insurance, or employment because of information received from one or more of the credit bureaus you can ask for another free credit report.

If you dispute an error on your credit report, and as a result information on your credit report is changed, then you can also get an updated report for free.

If you are a victim of identity theft, and you have also placed a fraud alert on your credit report, you can get an updated report showing the fraud alert. Even if you do not place a fraud alert on your report, if the report contains inaccurate information as a result of the fraud, you can still get another free report.

If you file for public assistance, you can get a free credit report. Often, because of all the detailed financial information people have to provide to file for public assistance, a current copy of the credit report will likely be required.

Finally, if you expect to be applying for employment anytime within the next 60 days, you can obtain a free credit report as well.

Armed with this information, you will not need to worry about whether you will have to pay to obtain another credit report under any of these circumstances. The FCRA accounts for all these special conditions to benefit consumers and ensure that they have the information they need.