Obtaining A Free Credit Report Without A Credit Card

If you are trying to obtain a free credit report without a credit card, you will probably run into a good bit of trouble. There are hundreds of companies online that proclaim to offer free credit reports; however, most of these companies are actually just attempting to sell customers their credit monitoring services. Most of these companies automatically sign up users for the services when they request credit reports, allowing them a thirty day window to cancel the services before they are charged to the entered credit card. These services claim to help protect individuals from identity theft, and they promise to alert the consumer if a bad mark is made of his or her credit report. However, this information is all available to you whenever you order a copy of your credit report. Another reason in addition to credit monitoring services, most of the companies offering free credit reports require that you give your credit card information so that they can verify your identity. They have to make sure that you are who you say you are before they can provide you with

personal financial information. If you do not have a credit card but still would like to check your report, you may be able to use a debit card to submit payment and to verify your identity with the company. Obtaining a free credit report without a credit card is virtually impossible. Rather than wasting your time and money on these online companies, it is smarter and much less of a hassle to spend a little money and to obtain your report through a reputable company that is not attempting to sell you any services or products. These companies draw reports from credit bureaus like Equifax that are used to determine whether or not you qualify for car loans, mortgages and credit cards.