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

Question

Responses

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

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

Answer 1

The accurate fact about credit reports is: You can request one online or over the phone.

You are also allowed to request one for free from each of the three major credit bureaus (Equifax, Experian, and TransUnion) once a year, but it's not limited to just that; you can request additional copies if needed. However, the statement about being turned down for credit is incorrect, as you can request your credit report anytime without having been denied credit.