Free Credit Report without a Credit Card – How to Get?

By B.Hendra

Free Credit Report Without Using a Credit Card

Recently, it is possible for every US citizen to achieve a free credit report without a credit card due to the policy of the Federal law. The policy was established on September 1, 2005 where the Federal Trade Commission entitling everyone in the US to obtain a free copy of their credit report in every single year from its three leading credit card reporting agencies. The particular three leading credit reporting agencies are Trans Union, Equifax and Experian. As a matter of fact, an individual may also get such credit reports from other websites; however, you must be very careful in choosing the right website.

The only authorized online source under the federal law that allows people to get their free credit report without a credit card from the three reporting agencies above is the ‘annualcreditreport.com’. Unfortunately, an individual is limited to only have their free report from this particular site once in a single year. So, if within the 12 months he wants to check his report again he has to switch over to other websites with the possibility to be charged for a certain period. Certain amount of money may be charged upon you if you cancel the offers within the free period. Remember not to give any information of your credit card to avoid you from the harm of identity theft.

check our guide about credit card score,credit rating.