Free Credit Reports
NJ residents are entitled to one free copy of their consumer/personal credit reports per year from each of the three major credit reporting bureaus. Only one allows for online requests for the free report (on a directory not available from the home page) so residents have to telephone to make the request. Each of the three has automated telephone systems that will file the requests.
Equifax Information Services LLC at 800-685-1111
Trans Union at 800-888-4213
Experian at 888-397-3742 or go to www.Experian.com/freestate/