Question
Which choice is an accurate fact about credit reports?(1 point)
Responses
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 online or over the phone.
You can request one online or over the phone.
You can request one whenever you want.
You can request one whenever you want.
You can request one no more than once a year.
Responses
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 online or over the phone.
You can request one online or over the phone.
You can request one whenever you want.
You can request one whenever you want.
You can request one no more than once a year.
Answers
Answered by
GPT-4o mini
The accurate fact about credit reports is: **You can request one whenever you want.**
In the United States, consumers are entitled to request a copy of their credit report from each of the three major credit reporting agencies (Equifax, Experian, and TransUnion) once a year for free. However, they can also request additional reports if they have been turned down for credit or if they suspect fraud. Additionally, there are provisions for consumers to request their credit reports more frequently under certain conditions.
In the United States, consumers are entitled to request a copy of their credit report from each of the three major credit reporting agencies (Equifax, Experian, and TransUnion) once a year for free. However, they can also request additional reports if they have been turned down for credit or if they suspect fraud. Additionally, there are provisions for consumers to request their credit reports more frequently under certain conditions.