Credit Report
Preferred Credit Reporting Agency Table
Credit report bureaus may report information on your personal credit and issue a credit score no matter where you live, but each zip code has one credit reporting agency which is the “preferred” credit report bureau for that area. If you are thinking of purchasing an online copy of your credit report from only one credit reporting agency, then choose the credit reporting bureau "preferred" in your city or town. Remember to check if your state mandates free credit reports. You may also be entitled to a free credit report if you have been denied credit within the last 30 days.
| STATE |
ZIP CODES |
CREDIT SERVICE |
FREE REPORT BY LAW |
| Alabama |
35000-35499 |
No |
|
|
Alaska |
99500-99999 |
|
No |
|
Arizona |
85000-86999 |
|
No |
|
Arkansas |
71600-72999 |
|
No |
|
California |
90000-92399 |
|
No |
|
Colorado |
80000-81999 |
|
Yes |
|
Connecticut |
06000-06999 |
|
No |
|
Delaware |
19700-19999 |
|
No |
|
Florida |
32000-34999 |
No |
|
|
Georgia |
30000-31999 |
Yes |
|
|
Hawaii |
96700-96999 |
|
No |
|
Idaho |
83200-83999 |
No |
|
|
Illinois |
60000-62999 |
|
No |
|
Indiana |
46000-46299 |
Trans Union Trans Union |
No |
|
Iowa |
50000-52999 |
No |
|
|
Kansas |
66000-66999 |
Trans Union |
No |
|
Kentucky |
40000-42999 |
|
No |
|
Louisiana |
70000-70299 |
|
No |
|
Maine |
03900-04999 |
|
No |
|
Maryland |
20600-21999 |
Yes |
|
|
Massachusetts |
01000-02799 |
|
Yes |
|
Michigan |
48000-48799 |
|
No |
|
Minnesota |
55000-56999 |
No |
|
|
Mississippi |
38600-39999 |
No |
|
|
Missouri |
63000-63699 |
Trans Union |
No |
|
Montana |
59000-59999 |
No |
|
|
Nebraska |
68000-69999 |
|
No |
|
Nevada |
89000-89999 |
|
No |
|
New Hampshire |
03000-03899 |
|
No |
|
New Jersey |
07000-07799 |
|
Yes |
|
New Mexico |
87000-88999 |
No |
|
|
New York |
00400-00599 |
|
No |
|
North Carolina |
27000-28999 |
No |
|
|
North Dakota |
58000-58999 |
No |
|
|
Ohio |
43000-43399 |
Trans Union Trans Union Trans Union |
No |
|
Oklahoma |
73000-75000 |
No |
|
|
Oregon |
97000-98000 |
No |
|
|
Pennsylvania |
15000-16999 |
|
No |
|
Rhode Island |
02800-03000 |
|
No |
|
South Carolina |
29000-29999 |
No |
|
|
South Dakota |
57000-57599 |
Trans Union |
No |
|
Tennessee |
37000-37399 |
|
No |
|
Texas |
75000-78299 |
|
No |
|
Utah |
84000-84999 |
|
No |
|
Vermont |
05000-05999 |
|
Yes |
|
Virginia |
22000-24699 |
No |
|
|
Washington |
98000-99499 |
No |
|
|
Washington D.C. |
20000-20599 |
No |
|
|
West Virginia |
24700-25599 |
Trans Union Trans Union |
No |
|
Wisconsin |
53000-54999 |
|
No |
|
Wyoming |
82000-83199 |
|
No |