Once a year consumers can conduct a free credit check based on certain circumstances and get a copy of their credit report by contacting the reporting agencies directly.  There are other opportunities to check into what lenders are saying about you too.  You are entitled to a free credit check any time you have been denied credit.  If a lender rejects your credit application based on the report from one of the reporting agencies, then you have a right to know what they said and can get a copy of that report.

Another situation in which you can get a free credit check is if you are not employed and are searching for a job.  An employer may request your credit report if you consent to the request, so you will want to know what kind of information is in there before agreeing.  The free credit check also gives you information on who has been looking at your credit for the last year.

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