Free Annual Credit Report No Credit Card Required

danieldalessandro | Aug 26, 2009 | Views: 424 |

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If you’ve been looking for a free credit report no credit card required then you must realize that only a select number of credit report providers can truly supply you with a free credit report that doesn’t require that you submit your credit card information. Many credit report providers will advertise that they can issue you a free credit report no credit card required but in reality the majority of these companies will still need your credit card information before they can do business with you. Only a select few credit report providers can authentically give you your credit report without taking your credit card information, and it is important to identify these sorts of providers because you don’t want to waste your time filling out forms and signing up for an account at a particular company’s website when you are simply going to reject their service when you find out that they require your credit card information.

Out of all the providers that may say that they can issue you a free annual credit report no credit card required the one company that can actually deliver on this statement is AnnualCreditReport.com. By going to this website you can access your credit report for free without having to give them your credit card information and this means that you will not have to worry about being billed for other kinds of credit products and reports. The only problem I have with this website is that they cannot provide you with your actual credit scores along with your credit report from all the three credit bureaus. Most people don’t’ realize that the law that has established how all citizens have the right to access their credit report at least once a year for free didn’t explicitly require that each individual must also be able to access their credit score along with their credit report.

This I think was a big pitfall of the Fair Credit Reporting Act, and it makes no sense why an individual should be able to get their credit report for free when they cannot access their scores as well. Regardless, at AnnualCreditReport.com you can still access your credit reports for free each year and the site doesn’t take your credit card information and you can therefore trust that the site will not bill you for anything without asking you first. The truth is that you are going to have to supply your credit card information for the vast majority of companies that can provide you with a free credit report along with access to your credit scores, and this isn’t necessarily such a bad thing as long as you can ensure that the company doesn’t bill you for any products you didn’t personally authorize.

You should always look for a company that is established and reputable, and if you must provide your credit card information then you should always perform the correct due diligence for any such companies beforehand to ensure that you don’t have a problem further on down the road. You can get your free credit report without a credit card but you are going to have trouble finding a company that can provide you with your credit scores as well without taking your credit card information so as long as you are aware of this you can hopefully make a better decision that can improve your chances at getting what you want.

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