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To follow up on another reply; the following states require a free credit report each year be given by each agency if you live in one of the following states.

Colorado, Georgia, Massachusetts, Maryland, New Jersey, or Vermont. And Georgia allows two free per year.

Most other states charge 8.50, except for;
California residents $8.00; Connecticut residents, $5.00; Maine residents, $2.00; Minnesota residents, $3.00; and Virgin Island residents, $1.00.

I got all of this from the TransUnion web site.

It only applys if you order by mail or phone, not over the internet.

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