How Can I Get my Credit Report?

To order a copy of your credit report, contact one or all of the following credit bureaus. Remember, credit bureaus compile their own data independently and may list inaccurate information. A credit report from one credit bureau may not contain the same information as a credit report from another bureau.

It is your responsibility to make sure personal and credit information is accurate, particularly since lenders will use that information to determine whether or not you can obtain credit, mortgages, insurance, and employment.

Equifax
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
Website: http://www.equifax.com

TransUnion
Consumer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
1-800-888-4213
Website: http://www.transunion.com

Experian (formerly TRW)
National Consumer Assistance Center
P.O. Box 949
Allen, TX 75013-0949
1-800-682-7654
Website: http://www.experian.com

The Big Three national credit bureaus typically charge consumers less than $10 to review a credit report. There are situations, though, in which a report can be obtained at little or no cost. These include:

Being turned down for credit, employment, or insurance based on the report's information within the last 60 days

Being unemployed or on public assistance

Being a victim of fraud

Additionally, some states allow for their residents to receive free or reduced-cost credit report copies. These states include:

• Connecticut: $5 for first report; $7.50 for each additional report
• Georgia: Two free copies per year
• Maine: $2 per report
• Maryland: One free report per year
• Vermont: One free report per year