When can you get a credit report?
Per current law you are entitled to one free credit report per year. However there are other ways in which you could get a free report.
If you believe your credit report has been used to perpetrate a fraud, you get a free copy of your credit report! OK, that may not be the happiest freebie ever.
Here are four other instances when you’re eligible for a free copy of at least one credit report:
If you have been denied credit for any reason and a credit report was used in making the decision, you have a right to a free look at this report. You have 60 days to mail proof of rejection to the reporting credit bureau to get your freebie.
If you live in Colorado, Vermont, New Jersey, Georgia, Maryland, Maine or Massachusetts, you are entitled to a free report once a year upon request.
If you are unemployed, actively seeking employment, or if an employer or potential employer has requested a credit report, you may have access to a free report.
If you are receiving public welfare assistance, you can get a free report.
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Each state has unclaimed property and seeks the rightful owner. If you have moved around and may have forgotten to claim the utility deposit or the last paycheck never made it to you, you could have unclaimed money due you. The IRS is holding money from tax returns. Interested in checking this out? CashUnclaimed.com is a company that was created to unite people with their money. You could be next to find unclaimed property.
