Question

if you are denied credit based on your credit report, you are entitled to a
hearing with the credit counseling agent.
free copy of the credit report if you request it within 60 days.
free copy of the credit report within 7 days.

Explanation:

To solve this, we recall the Fair Credit Reporting Act (FCRA) provisions: if denied credit due to a credit report, you're entitled to a free copy of the credit report if you request it within 60 days. A hearing with a credit counseling agent is not a right here, and the 7 - day timeline is incorrect.

Answer:

B. free copy of the credit report if you request it within 60 days.