Are there any other situations where I might be eligible for a free credit report?

Under federal law, you’re entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you request your credit report within 60 days of receiving notice of the action. The notice will give you the name, address, and telephone number of the consumer reporting company. You’re also entitled to 1 free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft. Otherwise, a consumer reporting company may charge you up to $10.50 for another copy of your report within a twelve month period. To buy a copy of your report, contact: Equifax:1-800-685-1111; equifax.com Experian: 1-888-397-3742; experian.com TransUnion: 1-800-916-8800; transunion.com