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

Summary

The legislation changes state law so a New Jersey consumer can request a free credit report up to three times in any 12‑month period. It applies to all consumer reporting agencies that maintain credit files. The goal is to give people more frequent access to their credit information, helping them spot errors or fraud.

AI-generated summary — may be incomplete or inaccurate. Verify against the official bill text.

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