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Are there other circumstances where I can get a free credit report?

Yes. You can be eligible to receive a free credit report when “adverse action” is taken against you. Adverse action can occur anytime your credit is the reason you are denied an application for credit, insurance, or employment.

The company that took the action must give you an “adverse action” letter explaining the situation. You then have 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the credit bureau accessed so you can contact them for your report.

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