Credit Report Costs & Special State Rights

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Credit Report Costs & Special Rights for Residents of Certain States Currently, credit reporting agencies may charge up to $10.00 in most states for each credit report that is requested within a twelve-month period. This does not include the credit score, which must be purchased separately at an additional cost. "Reduced Fee" States Residents of reduced fee states are able to purchase copies of their credit reports from the credit bureaus at a lesser cost under state law. These reduced fee states include: California ($8.00) Colorado ($8.00) Connecticut ($5.00 for 1st report in 12 months, $7.50 per additional report) Maine ($5.00) Maryland ($5.00) Massachusetts ($8.00) Minnesota ($3.00 for 1st report in 12 months, $10.00 per additional report) Montana ($8.50) New Jersey ($8.00) U.S. Virgin Islands ($1.00) Vermont ($7.50) Free Credit Reports for Residents of Certain States Under existing state laws, residents of the following states are able to obtain one free copy of their credit report annually: Colorado Maine Maryland Massachusetts New Jersey Vermont Residents of Georgia are entitled to receive up to two free copies per year. These are in addition to the free annual credit reports available under the Fair and Accurate Credit Transactions Act (discussed below). Be aware that state and federal laws are regularly changed, and many states are proposing additional legislation addressing the use and accessibility of consumer credit files. Free Credit Reports under the Fair and Accurate Credit Transactions Act In an amendment to the Fair Credit Reporting Act, known as the Fair and Accurate Credit Transactions Act (FACTA), one of the most notable rights granted to U.S. consumers is the ability to obtain a free copy of their credit file disclosure, or "Personal Credit Report", once every twelve months from each of the national credit reporting agencies (Equifax, Experian, TransUnion, and Innovis). Click here to learn more The right to obtain a free copy of the credit report was phased-in across portions of the United States over a nine month period, and is now available in *every* U.S. state and territory. FACTA language and the credit bureaus refer to this free report as an "annual credit file disclosure". This consumer right extends only to your credit report itself, and does not include your credit score. You must still purchase your credit score from the bureaus, if desired, and the bureaus provide you with constant reminders and ample opportunities to do so. ©Copyright 2008 by Michael Barnett. All rights reserved. Unauthorized use, copying, or distribution without permission is prohibited.

Credit Report Costs & Special Rights for Residents of Certain States