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Can I get a Free Credit Report without a credit card?
February 12th, 2010 - Posted by Tasha
The following post in our Reader Question series is an actual user submitted question:
Q: I don't have a credit or debit card. How can I still get a free credit report?
A: Contrary to popular opinion, you don't need a credit or debit card to get a free credit report. In fact, your credit report contains more data than just credit card information. A credit report is a record of all your credit activities, including both credit-card accounts and loans. If you have ever taken out a car loan or mortgage, this information will be on there. It also shows if any action has been taken against you because of unpaid bills. This information is obtained mainly from lenders, creditors, insurers, employers and other institutions with which you may have a financial relationship. Any company that issues you any type of loan (such as a mortgage or car loan) or a credit card reports to at least one and often all three credit bureaus each month.
You are entitled to one credit report per year from each of the three credit bureaus, which you can get for free at www.annualcreditreport.com, without a credit card. While getting one report from each bureau once a year is nice, we don't believe it is all that useful. Negative information getting posted to your report or identity theft can happen at any time and you will suffer the consequences unless you are notified and can act immediately. There is no way to get your credit score for free.
If you wish to purchase a credit report or subscribe to a credit monitoring service such as Identity Guard, you will generally need either a credit card or debit card. Using debit cards to make purchases online is riskier, though, since the money is coming directly out of your account. If you plan on making any purchases over the Internet, having a credit card is essential.
3 Responses to “Can I get a Free Credit Report without a credit card?”
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April 7th, 2010 at 1:35 am
some om-ne is using my ss num to aplty for credir,loan which i never apply,and using direfrent adress,
can u help me fix it
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