Credit Score

How to Get (Even More) Free Credit Reports

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State Laws

Several states have laws that require nationwide credit reporting agencies to give residents free copies of their credit reports. These are in addition to the free annual reports made available through

Number of free reports: If you live in Colorado, Maine, Maryland, Massachusetts, New Jersey or Vermont, you are entitled to one free report per year under state law. Georgia and Puerto Rico residents get three free copies per year.

How to request your report: See the ordering instructions section of this article.


Lost your job? You are entitled to a free copy of your report if you are unemployed and certify to the credit reporting agency that you intend to apply for employment within 60 days.

Number of free reports: One from each major credit reporting agency.

How to request your reports: See the ordering instructions below.

Ordering Instructions


Online: Visit

By Phone: 800-685-1111

Write to:
Equifax Information Services
P.O. Box 740241
Atlanta, GA 30374

When requesting a credit report by mail, Equifax indicates that you should include your full name, current address, Social Security Number, and most recent former address so it can match your file. State the reason you are requesting your free copy of your report as well.

Tip: Equifax’s online ordering system, while convenient, requires you to agree to mandatory arbitration to settle any disputes that arise. For that reason, I recommend you order your report by mail.



You can request your free report due to fraud, or under state law, at this website. Other requests must be made by mail. The online system identifies whether you are eligible for a free report under state law.

By Phone: 866-200-6020

You can order a copy of your free report due to fraud or under state law using the telephone system. If you are ordering a free copy of your state-mandated free report by phone, Experian’s automated telephone request systems automatically recognizes your location by the area code from which you are calling. (If you are calling from a cell phone with an out-of-state area code, call from a different phone.)

By Mail:
PO Box 2002
Allen, TX 75013

State why you are requesting your free report and include first name, middle initial, last name; current address and previous addresses for last 2 years with zip codes; date of birth; Social Security number; one copy of a government-issued ID card (driver’s license, military ID, etc.); one legible copy of a recent utility bill, bank or insurance statement with your current address.


Online: A request form to print, fill out and mail is available here

By Phone:  800-888-4213

Write to:
TransUnion LLC
P.O. Box 1000
Chester, PA 19022

Include the form you download online.  In addition, TransUnion requests that you include the following information to expedite your request: proof of address, e.g, utility bill; copy of adverse action letter if you received one; copy of police report in the event of fraud.

Tip: The phone system can be confusing. There are multiple prompts to purchase a credit score or credit monitoring service. In addition, there is no indication whether the free report requested through this number counts toward the report available through For that reason, I recommend you print the order form online, and request your copy by mail.

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