Credit Report Costs
How to Check For Credit Report Costs
Here are some important tips on Checking Your Credit Report Costs, for shoppers and merchants.
How much does a credit report cost?
Each credit bureau may charge you up to $9.00 for a copy of your report. However, you are entitled to one free report a year if you can show that: your report is inaccurate because of fraud; you're on welfare; or you're unemployed and plan to look for a job within 60 days. There also is no charge if a company has taken adverse action against you, such as denying your application for credit, insurance or employment, and you request your report within 60 days of receiving the notice of the adverse action.Certain states also have passed legislation which entitle you to a free report or a report at a reduced rate.
If You Live In: | Your First Report Is: | Additional Reports Are: |
California | $8.00 | $8.00 |
Colorado | Free | $8.00 |
Connecticut | $5.00 | $7.50 |
Georgia | 2 Free Reports | $9.00 |
Maine | $2.00 | $2.00 |
Maryland | Free | $5.00 |
Massachusetts | Free | $8.00 |
Minnesota | $3.00 | $9.00 |
Montana | $8.50 | $8.50 |
New Jersey | Free | $8.00 |
U.S. Virgin Islands | $1.00 | $1.00 |
Vermont | Free | $7.50 |
Getting Your Credit Report
An amendment to the FCRA requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.
For details, see Your Access to Free Credit Reports at ftc.gov/credit.
How to Order Your Free Report
The three nationwide credit reporting companies have set up one website, toll-free telephone number, and mailing address through which you can order your free annual report. To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can use the form in this brochure, or you can print it from ftc.gov/credit. Do not contact the three nationwide credit reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You may order your reports from each of the three nationwide credit reporting companies at the same time, or you can order from only one or two. The law allows you to order one free copy from each of the nationwide credit reporting companies every 12 months.
You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide credit reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.