How many days does a consumer have to request a free credit report after an adverse action notice?

A consumer has 60 days to request a free credit report after receiving an adverse action notice. This provision is part of the Fair Credit Reporting Act (FCRA), which mandates that when a consumer faces an adverse action—such as a denial of credit, insurance, or employment based on the contents of a credit report—they are entitled to know the reason for that action and are provided the opportunity to review their credit report for accuracy. The 60-day window allows individuals sufficient time to understand their rights and take the necessary steps to ensure their credit information is correct before pursuing any further actions, like disputing inaccuracies or taking remedial steps to repair their credit.