Free Credit Report

Under separate federal and state laws, residents of Maryland are entitled to one free credit report per year from each of the three Credit Reporting Agencies. How do I get my free credit reports?

• To get your report under the federal law, go to the Annual Credit Report Web page set up by the government and follow the links, or call 1-877-322-8228.
• To get your report under the Maryland state law, you need to call each Credit Reporting Agency directly.

Why check my credit report?

• To check for mistakes
• To protect against identity theft or credit fraud
• To see who has been asking to see your credit report
• To track your payment histories

Why contact all three Credit Reporting Agencies?

Your creditors may not report the payments they receive to all three agencies, so each agency holds slightly different information about you. To make sure all the information about you is correct, it is important to ask each agency.

Report Ordering Information:Although you can get your credit reports by going to each agency's Web site, you must call them to get the free credit report through the Maryland state law. If you access them online, you can get your credit report more quickly, but you will have to pay for it with a credit card.

Equifax 1-800-685-1111 Equifax Inc. P.O. Box 105496 Atlanta, Georgia 30348

Experian 1-888-EXPERIAN (1-888-397-3742) Experian P.O. Box 9600 Allen, TX 75013

Trans Union 1-800-888-4213 Trans Union LLC Consumer Disclosure Center P.O. Box 1000 Chester, PA 19022