Federal consumer rights under the FCRA include:

• Access to your credit report. You have the right to know what is in your credit file. The FCRA requires Experian, TransUnion, and Equifax to provide you with a free copy of each report once per year. You are also entitled to receive a free copy of your report if:
  
  
  • A potential lender views it
  • You are the victim of identity theft and/or want to place a fraud alert in your credit file
  • You request public assistance
  • You are unemployed and plan to apply for a new job within 60 days
  Visit annualcreditreport.com for access to your free copies.