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Ordering a credit report

Experian now offers a number of ways to get a copy of your personal credit report. Many of you have asked what method to use various situations. The following information should help clarify how to get your credit report depending on your circumstances and what, if any, fees are involved.

In order to dispute information or speak to a representative regarding your Experian credit report, you must first obtain a copy of your personal report directly from Experian. The report will include the most current information in an easy-to-read format with numbered entries that make it much easier and faster for Experian representatives to assist you.

Your personal report will include contact information, usually a toll-free telephone number that will connect you directly to an Experian consumer assistance representative.

To request a copy of your credit report:

  • Online:

  • Go to our Products section to select the consumer credit product that best meets your need.

  • U.S. mail delivery:

  • Call 1 888 397 3742 (1 888 EXPERIAN) and follow the automated instructions. There will be a $9 fee for all reports unless otherwise mandated by law.

  • State mandated fees

  • State laws mandate different fees for their residents. Those states and fees are:
    • California: $8 per copy
    • Colorado: 1 free report each calendar year; $8 per copy thereafter
    • Connecticut: $5.30 for the first copy each calendar year; $7.95 per copy thereafter
    • Georgia: 2 free copies each calendar year; $8 per copy thereafter
    • Hawaii: $9.36 per copy
    • Maine: 1 free report each 12-month period; $5 per copy thereafter
    • Maryland: 1 free report each 12-month period; $5.25 per copy thereafter
    • Massachusetts: 1 free report each calendar year; $8 per copy thereafter
    • Minnesota: $3 per copy
    • New Jersey: 1 free report each calendar year; $8 per copy thereafter
    • New Mexico: $9.45 per copy
    • New York: $9.74 per copy
    • Pennsylvania: $9.63 per copy
    • South Carolina: $9.45 per copy
    • South Dakota: $9.54 per copy
    • Texas: $9.74 per copy
    • Vermont: 1 free report each 12-month period; $7.50 per copy thereafter
    • Washington: $8 per copy
    • Washington, D.C.: $9.52 per copy
    • West Virginia: $9.54 per copy

  • As required by the federal Fair Credit Reporting Act:
    Complimentary reports requested under the conditions mandated by the federal Fair Credit Reporting Act will be delivered by U.S. mail.
    • To request a report if you believe you may be a victim of fraud, call 1 888 397 3742 (1 888 EXPERIAN) and select the fraud option. Experian will automatically add a temporary security alert to your credit history and mail a copy of your credit report to you.
    • To request a report if you have been declined credit, insurance, housing or employment, or have had other adverse action taken within the last 60 days as a result of information in your Experian credit report, call 1 888 397 3742 (1 888 EXPERIAN) and follow the automated instructions, or write to the address provided by the lender in the adverse action letter.
    • To request a report if you are unemployed and seeking employment within the next 60 days or if you receive public welfare assistance send a request in writing to:
    • Experian
      P.O. Box 9530
      Allen, TX 75013

      You must certify in writing that you are unemployed and seeking employment within the next 60 days or that you are receiving public welfare assistance.

Falsely claiming that you are unemployed and seeking employment or that you receive public welfare assistance in order to obtain a complimentary copy of your credit report is fraudulent and subject to criminal prosecution that could result in up to one year in jail and a $2,500 fine.


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