Credit Home Page > Obtaining a Credit Report
A new law requires credit reporting agencies to provide any Maine consumer
one free copy of his or her credit report annually.
This does not change the requirement for credit reporting agencies
to provide a free copy if a consumer receives an adverse credit action
or is unemployed and actively seeking work.
Request credit report online at www.annualcreditreport.com
Print and mail request form (DOC format)
Remember: If you are making the request jointly with a spouse, each
spouse must supply all the requested information, and both spouses must
sign the request. In addition, if you are living at a new address or
if your report has any "mixed file" issues, then the credit
reporting agencies can write back to you asking for additional proof
of your identity or address. In these cases, to save time you should
include with this request some definite proof that you live at your
current address, such as a copy of your driver's license, a copy of
a bank or insurance statement, or a utility bill.
When your credit report is sent to you, it will include directions
on what to do if your file contains errors. You will be asked to mail
your written dispute back to the credit reporting agency, and the agency
is required by law to promptly investigate your dispute and remove or
correct any erroneous, outdated or incomplete information.
For more information on credit reports and credit scores,
you may want to read our "Downeaster Consumer Guide to Credit Reports and Credit Scores" (pdf)or for screen readers, (rtf).