We have all seen the advertisements on the Internet telling us that we are entitled to free credit reports. But many people want to know if they can get their free credit report without a credit card? In short the answer is no, because if you want to check your free credit report without a credit card, you will be hard pressed to find a company that will be willing to do that.
The reason that you can't check your free credit report without a credit card is because you need a credit card for the verification process. This then shows that you are who you say you are. Credit cards are a good way to prove your identity and a lot of people from all over the world have a credit card partially for this purpose. But of course you can't apply for a credit card unless you know your credit score; this then saves you the hassle of possibly getting turned down for a credit card.
If you want a free credit report without a credit card, then there are ways to do this. You can write to one of the credit-reporting agencies with a copy of a recent bill, or a copy of your driving license. You then mail them your request for your free credit report. There is another way to get a free credit report without a credit card and that is by making a telephone call to one of the credit reporting agencies; they will be happy to oblige with your request.
It is almost impossible to get a free credit report without a credit card on the Internet. Credit cards are the only way to prove to these companies that you are who you say you are. But if you are not heavily concerned about your credit score, then you can wait for your annual credit report, which means that you will always get a free credit report without a credit card.
There are hundreds of websites that offer you the opportunity to view your free credit report with no obligations--no obligations, that is, until your 30-day free trial runs out. That is the main problem with these companies; they will let you see your free credit report with no obligations. But if you do not cancel your membership with them before the end of your 30-day free trial, then they will start to charge you for a service that you are no longer using. That is hardly fair, considering you only joined them to view your free credit report with no obligations.
These companies understand that you will want to view your free credit report with no obligations. So that is why they are only offering their customers 30 days free membership. Remember that you must cancel your membership before the 30 days are over, otherwise you will be charged a month's worth of use. They will always let you know how you can cancel. The information on how to cancel will usually be printed in the small print on the bottom of the webpage; write that information down, so you can become a free member. Then you can check your free credit report with no obligations.
If you want to view your free credit report with no obligations, then you have options. You can check either through the Internet or you can get it through the mail. You can do this by getting in touch with an official credit-reporting company. The best thing about these official credit-reporting companies is that you will receive your free credit report with no obligations and you won't have to give them your credit card information. Going with an online company for your credit report is a good idea if you need to keep a constant eye on your credit reports, but if you are happy with just your annual report then there is no real reason for you to sign up to one of these credit websites.
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Emanuele Allenti offers valuable tips and help about credit reports at best credit reports and free credit reports websites. Enter now!
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