News release: “The Federal Trade Commission announced that the limit on how much consumer reporting companies are allowed to charge consumers for an extra copy of their credit report will increase from $10.50 to $11.00, effective January 1, 2011. The FTC is required to review the maximum credit report charge each year under the Fair Credit Reporting Act, and revise it based on the Consumer Price Index. The FTC reminds consumers that this charge does not apply to the first free copy of their credit report that consumers are entitled to request from each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — once every 12 months through www.annualcreditreport.com. For details, see Your Access to Free Credit Reports. Consumers also are entitled to a free report if a company takes adverse action against them (such as denying an application for credit, insurance, or employment) and consumers request their report within 60 days of receiving notice of the action. In addition, consumers are entitled to one free report a year if they are unemployed and plan to look for a job within 60 days; if they are on welfare; or if their report is inaccurate because of fraud, including identity theft.”