FEDERAL LAW · PRIMARY SOURCE
Free Annual Credit Report — Your Right
Fair Credit Reporting Act (FACT Act) · 15 U.S.C. § 1681j
You are legally entitled to a free credit report from Equifax, Experian, and TransUnion once per year at AnnualCreditReport.com. You also get a free report any time you are denied credit.
Primary Statute
Fair Credit Reporting Act (FACT Act)
15 U.S.C. § 1681j
Section 612 entitles every consumer to one free disclosure from each consumer reporting agency per 12-month period, available at AnnualCreditReport.com. Additional free reports are available within 60 days of an adverse action, if unemployed and seeking employment, or if the consumer believes the file is inaccurate due to fraud.
https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act