; (B) by redesignating paragraphs (1), (2), and (3), as subparagraphs (A), (B), and (C), respectively (and conforming the margins accordingly); (C) by striking Upon the direct request and inserting (1) In general Upon the direct request ; and (D) by adding at the end the following new paragraph: (2) Access to free reports and credit or educational credit scores If a consumer reporting agency includes an active duty alert in the file of an active duty military consumer, the consumer reporting agency shall— (A) disclose to the active duty military consumer that the active duty military consumer may request a free copy of the file and credit score or educational credit score of the active duty military consumer pursuant to section 612(d), during each 12-month period beginning on the date that the activity duty military alert is requested and ending on the date of the last day the active duty alert applies to the file of the active duty military consumer; and (B) provide to the active duty military consumer all disclosures required to be made under section 609, without charge to the consumer, not later than 3 business days after any request described in subparagraph (A). ; (4) by amending subsection (d) to read as follows: (d) Procedures Each consumer reporting agency described in section 603(p) shall establish and make available to the public on the agency’s Internet website policies and procedures to comply with this section, including policies and procedures— (1) that inform consumers of the availability of 1-year fraud alerts, 7-year fraud alerts, active duty alerts, and credit freezes (as applicable); (2) that allow consumers to request 1-year fraud alerts, 7-year fraud alerts, and active duty alerts (as applicable) and to place, temporarily lift, or fully remove a credit freeze in a simple and easy manner