States with Free Credit Report Laws

Colorado, Maine, Maryland, Massachusetts, New Jersey and Vermont have laws that entitle their residents to a free credit report every year. The state free credit report laws also limit the price the credit reporting agenies are allowed to charge for any additional credit reports.

Georgia law allows consumers two free credit reports every year from any of the credit reporting agencies.

Colorado Free Credit Report Law Details

Maine Free Credit Report Law Details

Maryland Free Credit Report Law Details

Massachusetts Free Credit Report Law Details

New Jersey Free Credit Report Law Details

Gerogia Free Credit Report Law Details

States with Reduced Fee Credit Report Laws

California, Connecticut, Minnesota, Montana and the Virgin Islands have laws that entite their residents to reduced fee credit reports. The credit report fee depends on the state and it's your first or second request for a credit report that year.

California Credit Report Fees by Law

Connecticut Credit Report Fees by Law

Minnesota Credit Report Fees by Law

Montana Credit Report Fees by Law

Virgin Island Credit Report Fees by Law