New Jersey S403 allows consumers to request a free credit report three times a year from credit reporting agencies.

New Jersey S403 amends existing law to allow consumers to request a free credit report from consumer reporting agencies three times during any 12-month period. This bill expands the current law, which only allows one free report per year. The free reports are available to consumers who are unemployed and seeking employment, recipients of assistance under the Work First New Jersey Program, those who believe their credit report contains inaccurate information due to fraud, and victims of identity theft. The bill takes effect immediately upon enactment.

New Jersey S403 allows consumers to request a free credit report three times a year from credit reporting agencies.

New Jersey S403 amends existing law to allow consumers to request a free credit report from consumer reporting agencies three times during any 12-month period. This bill expands the current law, which only allows one free report per year. The free reports are available to consumers who are unemployed and seeking employment, recipients of assistance under the Work First New Jersey Program, those who believe their credit report contains inaccurate information due to fraud, and victims of identity theft. The bill takes effect immediately upon enactment.