Which choice is an accurate fact about credit reports?

Question

You can request one only if you have been turned down for credit
You can request one online or over the phone
You can request one no more than once a year
You can request one whenever you want

Answer 1

The accurate fact about credit reports is: You can request one whenever you want.

In the U.S., individuals can request a free credit report from each of the three major credit reporting agencies (Experian, TransUnion, and Equifax) once a year, and they can request additional reports as needed, though those may not be free. Moreover, due to recent regulations, consumers can check their credit reports more frequently.