In addition to being entitled to a copy of your credit report annually, you may be entitled to a copy of your credit report if you are denied credit or employment based on a credit report. You are also entitled to a free report if you have adverse action taken against you based on a report from the consumer reporting agency, such as credit or employment being denied; if you are unemployed and plan to look for a job within 60 days; if you are on welfare or if you are the victim of fraud, including identity theft.
You have 60 days after receiving notice of the denial to request your free report. If you are denied credit or employment, you are supposed to be given a written notice detailing which consumer reporting agency report was relied upon in making the decision to deny you credit or employment. You have 60 days to request your free copy of the report.
For more information on obtaining a free copy of your credit report, including contact information for the 3 major credit bureaus, the Federal Trade Commission provides a helpful FAQ.