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

This New Jersey bill would require consumer reporting agencies to provide consumers with three free credit reports annually upon request, replacing the current one free report per year. It directly affects New Jersey residents who regularly check their credit history, allowing them to monitor their financial information more frequently without cost. The key provision amends state law to increase the annual free report limit from one to three, with no charge for each request within a 12-month period. This change would give consumers greater access to their credit data for financial planning and error detection.