Question

question 4 of 10
when are you allowed to review your credit report?
once a year
only when you are the victim of fraud
you can get a copy at any time, but it’s only free once a year
once a year unless you are the victim of fraud, then twice a year

Explanation:

To determine the correct answer, we analyze each option:

• "Once a year" is incorrect because you can get a credit report at any time (though not always free).
• "Only when you are the victim of fraud" is wrong as you can get it outside of fraud situations.
• "You can get a copy at any time, but it’s only free once a year" is correct. Under the Fair Credit Reporting Act, you can request your credit report at any time, but each of the three major credit bureaus provides a free copy once per year (you can get all three free once a year in total, or one from each annually depending on interpretation, but the key point is you can obtain it at any time, with free access limited to once a year).
• "Once a year unless you are the victim of fraud, then twice a year" is incorrect as fraud victims have more flexible access but the "twice a year" is not the standard rule; the main point is you can get it at any time, with free once a year.

Answer:

C. You can get a copy at any time, but it’s only free once a year