With due consideration to the cases stipulated in the Law, the consumer shall have the right to know all information contained in his/her credit record. The consumer may request his/her record from any credit information company free of charge, if:
| | 1. | the record is requested for the first time; |
| | 2. | a negative decision is made against him/her as stipulated in the Implementing Rules; |
| | 3. | the consumer is a victim of a fraudulent transaction, such as a proven manipulation of his/her personal information; and |
| | 4. | the consumer's credit record contains false information. |
