Nadine accessed her consumer report for free 2 years ago. Can she access her consumer report for free again now?

According to the Fair Credit Reporting Act (FCRA), consumers are entitled to access their credit reports for free under certain circumstances. One of those circumstances is that consumers can obtain a free copy of their credit report at least once every 12 months from each of the three major credit reporting agencies: Experian, Equifax, and TransUnion. Since Nadine accessed her consumer report two years ago, she is eligible to request another free copy now, as enough time has passed since her last request.

This provision is designed to help consumers monitor their credit history and ensures they can check for inaccuracies or fraudulent activity without incurring costs. The other options do not align with the FCRA's guidelines regarding the frequency of obtaining free credit reports. Therefore, Nadine can indeed access her consumer report for free again at this time.