Yes, there are rights to free reports in addition to the free annual report available once every 12 months to all consumers under FCRA 612(a).
If you are denied credit (called an "adverse action"), you must be advised of the right to send a copy of the denail letter to the CRA identified in the denial letter (if any), and that CRA must provide you a free copy of your credit report if you send your request within 60 days of the denial letter (FCRA 612(b)).
When you are not denied, but rather are offered new or increased credit or insurance under terms less favorable than those generally offered, you are also entitield to a free report if the creditor or insuror used a credit report as part of their determination. Again, you must send a copy of the "risk-based pricing" notice of less favorable terms to the identified CRA.
There are also additional situations where a free report is provided, including when the consumer is unemployed or receiving public assistance (FCRA 612(d)) or in connection with fraud alerts (FCRA 612(e)).
