8 States With Free Credit Report Laws

Federal law allows you to get at least one free credit report each year from each of the three credit bureaus. You can also get a free credit report in certain situation, for example, if you’re unemployed and preparing to look for a job. Some states have laws that allow you to get a free credit report. These states include:

• Colorado - one free per calendar year, then $8
• Georgia - always free
• Maine - one free per 12 months, then $5
• Maryland - one free per 12 months, then $5
• Massachusetts - one free per calendar year, then $8
• New Jersey - one free per 12 months, then $8
• Puerto Rico - always free
• Vermont - one free per 12 months, then $7.50

You can get these free credit reports in addition to your annual credit report (available only through AnnualCreditReport.com).

Discounted Credit Reports

The following states have reduced prices for credit reports.

• California - $8
• Minnesota - $3;
• Montana - $8.50
• Virgin Islands - $1

Connecticut residents can purchase one credit report each year for $5, subsequent credit reports are $7.50.

Where to Get Your Free or Discounted Credit Report

Use these links to order your free state credit report or to order your reduced fee credit report:

• Equifax
• Experian or call 1-866-200-6020
• TransUnion