Yes Steve, it is my understanding that this is a Federal Law.
Ahh, ok. The unconditional you-get-one-free-report-per-year law is new, though. The law that's been in effect for years is "you're entitled to a free report at any time if you've been denied credit or employment within the last thirty days, based on your credit report." I assume that's the law that you just referred to?
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