Other Free Credit Reports Available
Besides the annual report, free credit reports may also be granted in special situations. These include the following:
Adverse actions by financial institutions. An example is when applicants are denied loans, insurance accounts, and other forms of credit, or when they take back grants or approvals. In such cases, the report must be requested within 60 days from the notification of the action.
Unemployment and welfare. People who are out of work or living on welfare may request free credit reports, provided they look for employment within the next 60 days.
Report inaccuracies. Credit reports can be inaccurate because of fraud, identity theft, or technical mistakes in the system. A free copy of the corrected report will be given as long as the discrepancy is promptly reported.