Question

Which choice is an accurate fact about credit reports?(1 point)
Responses

You can request one whenever you want.
You can request one whenever you want.

You can request one online or over the phone.
You can request one online or over the phone.

You can request one only if you have been turned down for credit
You can request one only if you have been turned down for credit

You can request one no more than once a year.
You can request one no more than once a year.

Answer 1

The accurate fact about credit reports is:

**You can request one online or over the phone.**

You are also entitled to request a free credit report once a year from each of the three major credit reporting agencies and can check your report more frequently for various reasons, such as monitoring for identity theft. The statement about requesting a credit report only if turned down for credit is incorrect; you can request it at any time. Therefore, the more accurate statements are those about requesting it online or over the phone and the ability to request it freely.