Government Sets Price Tag for Peeking at Your Credit Score
Published Date: 12/15/2025
Rule
Summary
Starting January 1, 2026, consumer reporting agencies can charge up to $16 for credit report disclosures when you’re not eligible for a free one. This update affects anyone who requests extra credit reports beyond their free annual copy, so keep an eye on your requests to avoid surprises. The new charge doubles last year’s limit, so it’s a good time to plan ahead!
Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
Credit Report Fee Cap Raised
Starting January 1, 2026, consumer reporting agencies may charge up to $16.00 for a credit report disclosure when you are not eligible for a free one. The new cap is an increase of $0.50 from the 2025 limit and applies to extra reports beyond your free annual copy.
Free Disclosures Still Protected
Requests for free file disclosures under section 612(a)-(d) of the FCRA remain free and are not subject to the $16.00 cap. The charge applies when a consumer already received their free annual disclosure and does not otherwise qualify for an additional free disclosure.
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Key Dates
Department and Agencies
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