Credit Report Monitoring FAQ
Frequently Asked Questions about Credit Report Monitoring
Can I get my credit report without a credit card?
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 online, 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.
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