Credit Reports

It's a great idea to obtain a copy of your credit report annually to verify that it is complete and accurate before you need to apply for a loan. It is very easy to order your credit report, and Maryland law limits the amount that credit bureaus can charge for a credit report.

You may receive a copy of your credit report for free:

• If you have been denied credit based on the information contained in your credit report, or
• If you are a Maryland resident, and you have not received a free credit report in over a year.

You may order a copy of your credit report by mail, by phone or over the Internet. You will need to provide the following information to obtain your report:

• First, middle and last name (including Jr., Sr., III)
• Current address
• Previous addresses used in the past five years, if any
• Social Security Number
• Date of birth
• Name of current employer
• Home phone number
• If you are ordering by mail, include your signature and any applicable fee.

There are three companies that maintain credit reports on individuals. These are:

• Equifax
• Experian
• Trans Union

Equifax

Equifax will send a free credit report if:

1. If you have been denied credit or some other benefit within the last 60 days and Equifax was used in the decision process.
2. You are a resident of Colorado, Georgia, Massachusetts, Maryland, New Jersey, or Vermont.

Free reports must be ordered by phone or by mail.

You may request a copy of your credit report by writing to:

Equifax Information Service Center
P.O. Box 740241
Atlanta, GA 30374-0241

Or by calling 1-800-685-1111.

Order Online: If you do not qualify for a free report or if you simply choose to order online, the cost is $8.50.

If you have any questions, please contact Equifax.

Experian

Experian will send a free credit report to:

1. People who have been denied credit, employment, insurance or rental housing based on information in their Experian credit report
2. Residents of Colorado, Georgia, Massachusetts, Maryland, New Jersey and Vermont
3. Consumers who certify in writing they are unemployed, suspect their report may contain fraud or on public welfare assistance

Free reports must be ordered by phone or by mail.

You may request a copy of your credit report by writing to:

Experian National Consumer Assistance Center
P.O. Box 2002
Allen, TX 75013

Or by calling 1-888-397-3742.

Order Online: If you do not qualify for a free report or if you simply choose to order online, the cost is $5.25 for Maryland residents, and $8.50 for most others.

If you have any questions, please contact Experian.

Trans Union

Trans Union will send a free credit report if:

1. You have been denied credit, employment, or insurance in the last sixty days, and the company used a Trans Union credit report.
2. You are a resident of Colorado, Georgia, Massachusetts, Maryland, New Jersey, or Vermont.
3. You certify in writing that either you are unemployed and plan to seek employment in the next sixty days, or you are a welfare recipient, or you believe you have been a victim of fraud.

Free reports must be ordered by phone or by mail.

You may request a copy of your credit report by writing to:

Trans Union LLC
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022

Or by calling 1-800-888-4213.

Order Online: If you do not qualify for a free report or if you simply choose to order online, the cost is $8.50.

If you have any questions, please contact Trans Union.

This credit union is federally insured by the National Credit Union Administration.

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