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Review your consumer credit report
Whenever you apply for a new credit card, loan or extension of credit, the potential lender will most likely review your credit report before making a decision. You should too! Check it several weeks or even months prior to making a large credit purchase.
- Get an easy-to-read summary of your credit accounts and total debt – both existing balances and available limits.
- Budget and plan for the future.
- Assure the accuracy of the information reported about your credit. This is especially important when you're getting ready to buy an expensive item such as a car or new home.
If you haven't reviewed your credit report recently, get a copy of your Experian credit report and score delivered online for only $15.00.
Order now!
Correcting errors on your report
Federal law allows consumers to challenge inaccuracies and correct their credit files, and Experian encourages consumers to dispute incorrect data. There is no fee. If you believe there is an error on your report, dispute it online for fast resolution. We will verify your dispute with the source of the data and receive a response within 30 days. Once we receive the response, Experian will send you the results of our investigation.
Qualifying for discounted or free reports
You may be eligible to receive a discounted or free credit report if you meet one of the following conditions:
- Your request for credit, insurance, employment or rental housing is denied based on information received from Experian, and you contact us within 60 days of the denial.
- "Adverse action" was taken against you based on information in your credit report (e.g., your interest rate was raised or your credit limit was decreased). The name of the credit-reporting agency that provided your credit report and how to contact them for a copy will be provided by the company that declined your credit application or took adverse action.
- Some state laws require credit-reporting agencies to provide their residents a free or discounted report each year even if they are not denied credit.
- If you certify in writing that you are unemployed and seeking employment or receive public welfare assistance.
- If you have reason to believe your credit file contains inaccuracies resulting from fraud.
To confirm your eligibility and request your free or discounted copy delivered by U.S. mail, please call 866 200 6020. If you would like immediate online access to your Experian credit report and score for only $15.00, click here to order now!
Fees
A credit report costs $10.00 if you haven't been denied credit, employment, insurance or rental housing recently, except in the following states and U.S. territories:
California: $8.00
Colorado, Massachusetts: One free copy per calendar year; $8.00 thereafter
Connecticut: $5.30 for the first copy in calendar year; $7.95 thereafter
Georgia: Two free copies per calendar year; $10.00 thereafter
Hawaii: $10.40
Maine: One free report per 12-month period; $5.00 thereafter
Maryland: One free report per 12-month period; $5.25 thereafter
Minnesota: $3.00
Montana: $8.50
New Jersey: One free copy per calendar year; $8.56 thereafter
New Mexico, South Carolina: $10.50
New York, Texas: $10.83
Pennsylvania: $10.70
Puerto Rico: $10.55
South Dakota, West Virginia: $10.60
Washington, DC: $10.58
Vermont: One free report per 12-month period; $7.50 thereafter
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