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Fair Credit Reporting - Questions &
Answers
Is there a charge for
my report?
Sometimes. There's no charge
if a company takes adverse action against you,
such as denying your application for credit, insurance
or employment, and you request your report within
60 days of receiving the notice of the action.
The notice will give you the name, address, and
phone number of the CRA. In addition, you're entitled
to one free report a year (1) you're unemployed
and plan to look for a job within 60 days, (2)
you're on welfare, or (3) your report is inaccurate
because of fraud. Otherwise, a CRA may charge
you up to $8 for a copy of your report.
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