Which of the following is true of the Fair Credit Reporting Act? Question 39 options: Adverse information from the person's credit report must be removed after three years. A person is entitled to a free copy of his or her credit report from each of the three main credit bureaus every six months. An applicant denied credit has the right to be told the name and address of the credit bureau that prepared the report on which the denial was based. The agency must furnish the consumer the information free if requested within a year of the rejection. Any person who obtains information from a credit agency under false pretenses is subject only to civil penalties