How to Get a 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. Since there are two laws, this means that you can contact each Agency twice per year and request your personal credit report free of charge.

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.

Free 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. A phone number for all three is, 1-877-322-8228.

Equifax

Equifax
1-800-685-1111
Equifax Credit Information
Services, Inc.
P.O. Box 740241
Atlanta, GA 30374

Dispute information in my credit report
A toll-free number is listed at the bottom of your online Equifax Credit Report™.
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374

Opt-out of pre-approved credit offers
1-888-567-8688
Options
Equifax, Inc.
P.O. Box 740123
Atlanta, GA 30374-0123

Opt-out from direct marketing sales
Direct Marketing Association
P.O. Box 9008
Farmingdale, NY 11735-9008

Place a fraud alert on your credit report
1-888-766-0008
1-800-525-6285

Experian

Experian
1-866-200-6020
Experian
P.O. Box 9600
Allen, TX 75013

Disputes regarding your credit report
1-888-397-3742

Fraud, identity theft and your credit
1-888-397-3742

Opt out of credit and insurance offers
1-888-567-8688
Experian
901 West Bond
Lincoln, NE 68521
Attn: Consumer Services Department

Mail Preference Service
Direct Marketing Association
P.O. Box 1559
Carmel, NY 10512

Telephone Preference Service
Direct Marketing Association
P.O. Box 1559
Carmel, NY 10512

Trans Union

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

Dispute an item on your credit report online
1-800-916-8800
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19022-2000

Fraud Victim Assistance Department
1-800-680-7289
TransUnion Fraud Victim Assistance Department
P.O. Box 6790
Fullerton, CA 92834

Opt out of pre-approved offers of credit or insurance
1-888-567-8688
TransUnion Name Removal Option
P.O. Box 505
Woodlyn, PA 19094

Marylanders can also place a security freeze on their credit reports, so that your file cannot be shared with potential creditors. To find out more about how to do this, check out the Consumers Union's Security Freeze Information page. Also look at their Things to Consider When Deciding Whether to Place a Security Freeze page to learn all the pros and cons of freezing your report.

Enoch Pratt Free Library