Before a free annual credit report is released, what is typically required of the consumer?

• A. Identity verification is required by the CRA
• B. A police report is required
• C. Payment of a fee is required
• D. A notarized affidavit is required

Answer: (B)

Identity verification is required before a free annual credit report is released. When you request the free report, the credit reporting agencies verify you’re the actual consumer by asking for identifying details (such as your name, current and past addresses, Social Security number, and date of birth) and often by having you answer security questions or use other verification steps. This safeguards your sensitive information. Police reports, notarized affidavits, or payment aren’t needed for the free annual report.