Subscribe to the BlogFAQ: Where can I get a free credit report with no credit card?
"I want the free credit report I'm entitled to, but everywhere I look, they want my credit card information. I don't want credit monitoring services, I just want my credit report!"
Tammy from South Carolina
How to Get Your Free Credit Report...Without a Credit Card
There is only one "official" website where you can get your free credit reports from each of the major credit reporting bureaus, Experian, Equifax, and TransUnion, each year. There is no credit card information required , you simply enter your required information, and answer some questions that only you (hopefully) know the answers to. You are not required to purchase to trial a credit monitoring service to access your credit report.
The credit reports are free, but if you want your FICO scores, you'll have to buy those from each of the credit bureaus. They cost about $10-$15 each.
You can get your free credit reports at AnnualCreditReport.com
Do you need your FICO score? Equifax ScoreWatch™ will monitor and alert you to changes in your FICO score, and includes a super-nice Credit Score Simulator that will show you how things will affect your credit score.
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I had a Care Credit Card. Near the end of the promotional period I applied for a different card with a low balance transfer apr, and transfered the balance to avoid the 29.99% apr on the expensive emergency that this card was supposed to “help” me through. As a result of trying to keep up with the promotional offer, I really put myself in a hole with cash flow.
Have to say – thank you so much for this site!!
Pretty rare to find a good website which isn’t just trying to scam you anymore
I’ve already saved it so I can come back to it!
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