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 35500-36999	Trans Union Equifax	No
Alaska	99500-99999	Experian	No
Arizona	85000-86999	Trans Union	No
Arkansas	71600-72999	Trans Union	No
California	90000-92399 92400-93999 94000-96699	Experian Trans Union Equifax	No
Colorado	80000-81999	Experian	Yes
Connecticut	06000-06999	Trans Union	No
Delaware	19700-19999	Trans Union	No
Florida	32000-34999	Equifax	No
Georgia	30000-31999	Equifax	Yes
Hawaii	96700-96999	Experian	No
Idaho	83200-83999	Equifax	No
Illinois Trans Union	60000-62999	Trans Union	No
Indiana	46000-46299 46300-46499 46500-46699 46700-47799 47800-47999	Equifax Trans Union Equifax Trans Union Equifax	No
Iowa	50000-52999	Equifax	No
Kansas	66000-66999 67000-67999	Equifax Trans Union<	No
Kentucky	40000-42999	Trans Union<	No
Louisiana	70000-70299 70300-71599	Experian Equifax	No
Maine	03900-04999	Trans Union<	No
Maryland	20600-21999	Equifax	Yes
Massachusetts	01000-02799	Experian	Yes
Michigan	48000-48799 48800-49999	Experian Trans Union<	No
Minnesota	55000-56999	Equifax	No
Mississippi	38600-39999	Equifax	No
Missouri	63000-63699 63700-65999	Trans Union< Equifax	No
Montana	59000-59999	Equifax	No
Nebraska	68000-69999	Trans Union<	No
Nevada	89000-89999	Trans Union<	No
New Hampshire	03000-03899	Trans Union<	No
New Jersey	07000-07799 07800-08999	Experian Trans Union<	Yes
New Mexico	87000-88999	Equifax	No
New York	00400-00599 09000-09999 10000-11899 11900-14999	Experian Experian Trans Union< Experian	No
North Carolina	27000-28999	Equifax	No
North Dakota	58000-58999	Equifax	No
Ohio	43000-43399 43400-43699 43700-43999 44000-44599 44600-45899 45900-45999	Equifax Trans Union< Equifax Trans Union< Equifax Trans Union<	No
Oklahoma	73000-75000	Equifax	No
Oregon	97000-98000	Equifax	No
Pennsylvania	15000-16999 17000-19699	Experian Trans Union<	No
Rhode Island	02800-03000	Trans Union<	No
South Carolina	29000-29999	Equifax	No
South Dakota	57000-57599 57600-57799	Equifax Trans Union<	No
Tennessee	37000-37399 37400-37599 37600-38600	Equifax Experian Equifax	No
Texas	75000-78299 78300-78999 79000-79499 79500-79999	Experian Trans Union< Trans Union< Trans Union<	No
Utah	84000-84999	Experian	No
Vermont	05000-05999	Trans Union<	Yes
Virginia	22000-24699	Equifax	No
Washington	98000-99499	Equifax	No
Washington D.C.	20000-20599	Equifax	No
West Virginia	24700-25599 25600-25799 25800-25999 26000-26699 26700-26999	Equifax Trans Union< Equifax Trans Union< Equifax Equifax	No
Wisconsin	53000-54999	Trans Union<	No
Wyoming	82000-83199	Experian	No

Other sites for those with debt or bad credit by Attorney Mory Brenner:
Bankruptcy Alternatives / Debtor's Options
FAQs examining the debt itself, personal issues and many resolution options including workouts, payment and bankruptcy.
Debtor Links
Sites for debtors on bankruptcy, workouts, credit counseling, IRS, credit rebuilding, and more! US, UK and Canada.
Alternative Mortgage Sources USA
Links to lenders and mortgage brokers throughout the United States offering home loans to individuals with credit problems, bankruptcies or foreclosures. Apply On-Line service available.
Alternative Finance Sources USA -Car Loans
Links to lenders and finance companies throughout the United States offering refinancing, new or used car loans to borrowers with credit problems, bankruptcy or foreclosures on their credit report. Includes a nationwide used car search engine.
Alternative Finance Sources USA -Credit Cards
Links to lenders and credit card companies granting credit cards to those with credit problems, bankruptcy or foreclosures on their credit report. Debtors-Please use this page to help rebuild your credit, not incur more debt!
For information on retaining or consulting with Attorney Brenner please visit the contact page.

This material may be considered advertising under the rules of the Supreme Judicial Court of Massachusetts. web site design by Mory Brenner. This page, and all contents, are Copyright (C) 2002 all rights reserved, by:

Financial Firebird Corporation, 150 North Street Suite 40, Pittsfield, Massachusetts 01201.

The most recent update of this page occured on 12/9/02.

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Credit Report Preferred Credit Reporting Agency Table

Other sites for those with debt or bad credit by Attorney Mory Brenner:

Credit Report
Preferred Credit Reporting Agency Table