Requires consumer reporting agencies to provide a consumer with a free credit report three times during any 12-month period upon request.

This bill changes the rules for how much consumer reporting agencies can charge people for their credit reports in New Jersey. Currently, agencies can charge for the second request in a year, but this bill would allow them to charge for the fourth request or later. It also clarifies that agencies must provide reports for free under certain circumstances, such as after an adverse action or if the consumer is unemployed or a victim of fraud.

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