After adverse action, how can a consumer obtain a free copy of their credit report?

• A. From the consumer reporting agency that furnished the report within the required time frame.
• B. From any credit reporting agency within 60 days.
• C. By contacting the employer involved in the adverse action.
• D. By filing a request with the Federal Trade Commission.

Answer: (A)

After adverse action, you’re entitled to a free copy of the credit report that was used in the decision, and you must be offered it by the consumer reporting agency that supplied that report within 60 days of receiving the notice. This allows you to verify the information, spot any errors, and dispute inaccuracies with the reporting agency if needed. The free copy isn’t available from any agency or from your employer, and the Federal Trade Commission isn’t the source for a free report in this context. If you want a free copy later, you can still request it from the furnishing agency within the 60-day window, or rely on the general annual free reports from each nationwide CRA.