How to Get a Free Credit Report Without a Credit Card

The Fair Credit Reporting Act gives every person the right to a free Credit Report without a credit card. You are entitled to a free credit report from each of the three nationwide reporting agencies one time a year. While this fact is commonly made known through the massive amount of ads for free credit report services, most of these services require a credit card and those without soon feel that the free credit check report is not available to them. The truth is that many of the more advanced monitoring websites which are advertised as "free credit report services" are in fact free TRIALS for services that will charge your credit card every 30 days after the trial period ends. Some of these agencies are legitimate and extremely helpful, some are borderline to scams. Either way, do not give up hope if you do not have a credit card. The government provides a free and credit card-less less way to access your credit report. Continue reading to find out how to find a TRULY free credit report without that pesky plastic credit card.

Instructions

1

CONSIDER WHICH METHOD YOU WILL USE TO ORDER YOUR FREE ANNUAL CREDIT REPORT - The Federal Trade Commission has allowed for citizens to order there free annual credit report via the internet, telephone or mail.

2

DECIDE IF YOU WILL WANT ALL THREE CREDIT REPORTS AT ONCE OR IF YOU WOULD LIKE TO SPACE THEM OUT - By law, you are entitled to a free credit report from Experian, Trans-Union and Equifax. Regardless of which method you choose to use, you will need to decide when to receive your free credit reports. A benefit to spacing them out is that you will be able to monitor your credit report steadily throughout the year to make sure no new discrepancies do not arise. If you plan on disputing credit errors, however, you may want all three credit reports at one time to set the record straight once and for all.

3

ORDER YOUR FREE CREDIT REPORT - If you are ordering online, annualcreditreport.com is the only federally authorized website to get a free credit report and will not ask for your credit card.

If you decided to order via telephone. The phone number to call is 1-877-322-8228.

To mail your request for a free credit report, download the appropriate form from the Federal Trade Commission website (resources below) and mail to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

4

ENJOY YOUR TRULY FREE CREDIT REPORT AND PASS ON THE INFORMATION TO THOSE WHO NEED IT.