When can I get a free credit report?

Many people are unaware that there are 5 specific times when you can get a free credit report. 

You can get a free credit report under the following circumstances:

• Once every calendar year
• If you have been denied credit within the last 60 days
• If you are unemployed and are about to seek employment in the next 60 days
• You are on welfare
• If you have recently been the victim on fraud or identity theft and have filed a report with the police.

Even if you have good credit, it is still a good idea to view your credit report at least once a year to look for signs that someone might be trying to use your identity.  Make sure that you take the time to review all three of you credit reports, as the information on each one can vary, and could impact you in a negative way when you apply for credit.