How to Get a Free Credit Report

FAQ: 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 ScoreWatchâ„¢ 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.

 How to Get a Free Credit Report

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