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

This bill (S 403) requires New Jersey consumer reporting agencies to provide each resident with three free credit reports annually upon request, instead of the current one free report per year. It directly affects New Jersey consumers who want to monitor their credit history without cost. The key change amends existing law to allow three free reports within any 12-month period, removing the previous limit of one free report. This is a straightforward policy update to increase consumer access to credit information.