* If any adverse action has been taken as a result of information included in your credit report. Adverse actions would include being denied for credit, employment or housing or receiving a higher insurance rate.

* After placing a fraud alert on your credit reports or any other actions as a result of being a victim of identity theft.

* After disputing inaccurate information included on your report.

* If you are on welfare or unemployed and are actively searching for employment. mike credit