Free Credit Report Without A Credit Card!
Almost ten years ago, I was looking to buy a new home. A builder
was advertising a no down-payment mortgage .
With my permission, he pulled a copy of my credit report and told
me that I had problems. I knew that I was entitled to a free credit
report. Without a credit card, I began searching on-line for a source.
The builder told me that the credit bureau was in town and that
I could get a free credit report without a credit card if I went
directly to the credit bureau. I could not even find the address.
For your information, if you are ever denied credit. The lender
is required to provide you with the name and address of the credit
bureau which provided them with the information they used in reviewing
your application. You are entitled to a free credit report, without
a credit card, within 60 days of the denied application.
This builder was a little strange. He printed out a copy and waved
it in front of my face, telling me that he was not supposed to even
let me see the report. He told me that in a couple of years, I might
be able to qualify for his program. I had no idea what information
he was talking about. I had owned and recently sold my own home
because I had moved to a new city. I decided to rent for a while,
just in case I did not like the new town. I did not have an active
credit card, because I do not like credit cards. They sometimes
get me into trouble. But, I was sure that this alone was not reason
to refuse me into his no down payment program.
So, my search began for a free credit report without a credit card.
The builder said that I should be able to get one on-line, but that
I would probably have to pay a fee. This made no sense to me, because
I knew that I was entitled to a free copy.
I found a site that offered a free credit report without a credit
card. They said they would send me my free credit report in the
mail in a couple of weeks. My free credit report without a credit
card turned out to be a magazine. The title was My Free Credit Report
. This was my free copy, but they wanted me to know that subscribing
was easy. I would be billed in three easy installments. I think
that at this point, I gave up looking for a free credit report without
a credit card. Having a case of sour grapes , I decided that I was
not ready to buy a new house anyway.
Today, because of a recently enacted law, commonly called the FACT
act, consumers can view and print a free credit report without a
credit card, on-line, 24 hours a day, seven days a week. The website
was created by the three major credit bureaus, Equifax, TransUnion
The website was created to make it easier for people like me to
find their free credit report without a credit card. Actually, it
was created to make it easier for anyone to access the information
stored on their credit reports. You are entitled to a free credit
report without a credit card once in a 12 month period, if you have
been denied credit within the past 60 days, if you are unemployed
and planning to look for a job within the next 90 days and for various
The website address is www.annualcreditreport.com. It will come
up if you type in free credit report into a web search engine, but
other offers and services will pop up as well. If you type in free
credit report without a credit card , it will not show up on the
first page at all.
Misspellings of the website address are being used by companies
to attract customers to the services they offer. In order to avoid
an experience like mine, you can type the website address correctly
or access it from the Federal Trade Commission s official consumer
credit website. Hope this information makes your search for a free
credit report without a credit card a little easier.
Manage My Credit -
a website devoted to providing advice on managing your credit and debt