Free Credit Report – No Credit Card Required, No Trial

Christian Emerson asked:

In 2005 the government put into place a new law that mandates that all of its citizens be able to gain access to each one of their credit reports from all three major credit bureaus at least once a year for free. After this law was put into place the demand for credit reports has shot through the roof with all sorts of companies coming out of the woodwork in an effort to satisfy such a demand. The problem with the vast majority of these companies is that they cannot truly offer you a free credit report without you signing up for another one of their products first. This has created a ton of confusion for consumers who have heard about the new government mandate and subsequently went looking for a place to access their credit reports for free.

The good news is that there is an alternative website that can offer you access to your credit reports without the need to sign up for a free trial and without the need to submit any of your credit card information. This website is located at AnnualCreditReport.com, and it is the only website that is fully endorsed by the government to provide people with access to their credit reports once a year for free. This website will not ask for your credit card information and it will not require that you sign up for some free trial to gain access to your reports, and as long as you haven’t already exhausted your once a year entitlement then you should have no trouble going to this website to look at your credit reports for free. Don’t become another victim of one of the many credit report companies that require you to buy something just to get access to your reports as these companies are simply taking advantage of people’s lack of understanding of the government mandate.

Joyce

Absolutely and Totally Free Credit Report

Christian Emerson asked:

The entire credit report industry has been thriving ever since the government has put into the law the entitlement that allows every one of its citizens to gain access to their credit reports at least once a year for free. The demand for credit reports has skyrocketed every since the inception of this new regulation, and with this rising demand has come a whole litany of companies that have been promising to deliver on the government’s mandate by offering “free credit reports” to the public. The truth is that the majority of these companies are going to require that you provide your credit card information to sign up for a free trial to gain access to your reports, and it is a rarity that any one of these companies will be able to provide you with an actual free credit report without you having to purchase something first.

To get an absolutely free credit report you are going to have to put the effort in to avoid such websites and companies and instead go to the one website has been fully endorsed by the government ever since the inception of this new mandate. This website will not charge you anything to gain access to all three of your credit reports and they will not require that you submit your credit card information al other financial information. The actual website address is AnnualCreditReport.com, and it can easily provide you with a totally free credit report without having to pay for anything. This website has been verified by millions of people who have happily been using the service they provide and you can be rest assured that you shouldn’t experience a blatant upsell process that some of the other credit report websites will subject you to when you go to request your credit reports.

Veronica

Getting Free Online Canadian Credit Reports

Ann Born asked:

Americans are not the only ones able to get a no obligation free credit report online. Canadians can get free online Canadian credit reports was well. The process of getting a free online Canadian credit reports is very similar to those in America. To gain instant access to your free credit report, you can use the internet. Canadians can also call a reporting agency or snail mail them to obtain their credit reports.

Most websites offer Canadians a free 30-day trial membership. This free trial will include access to your free Canadian credit report. These reports can be viewed for up to 30 days absolutely free. After the 30-day trial is expired, you will be required to pay for the membership unless you cancel it. Most people will obtain a free credit report online and then cancel the membership before being charged. This is an excellent method of obtaining free Canadian credit reports online. It is important that you remember to cancel the membership prior to the expiration of the 30-day trial membership. If you fail to do so, you will find charges on your credit card from the company.

A free credit report is extremely easy to come by if you know exactly what to do. Many people are not even aware that they have can get free Canadian credit reports. If you have a concern that someone may get hold of your personal information and make you a victim of identity theft, you need not worry.

The major credit reporting agencies make double sure, that anyone trying to access a credit report online or offline, provides the necessary proof of identity before the free Canadian credit reports can be sent. You have a multitude of options and any Canadian can get free Canadian credit report online safely and securely.

Allan

Get 3 Free Online Credit Reports With Score

Ann Born asked:

There are many different web sites available that will offer you the opportunity to get an official credit report. Simply put, many of these are fraudulent web sites and just want visitors and traffic to their web sites. They do not really offer what they state in their advertisements. In reality, the only true official credit report web sites are those of the three major credit report agencies, TransUnion, Equifax, and Experian. You can obtain 3 free online credit reports with score, from any of these reporting agencies.

A yearly government credit report can help you in a variety of ways and you can obtain one from any company by signing up for a 30-day free trial. After the trial expires you will be required to pay a fee for membership. There are not any totally free credit report web sites available on the internet due to the laws in the United States. You can receive 3 free online credit reports with score from each of the three major credit-reporting companies, though. The only way to get further credit reports, other than the yearly government credit report, is to prove you have been the victim of identity fraud.

If you are one looking for a completely free credit report, you will have a hard time finding one, the reason is that most will require payment after the 30-day trial period has ended. More than 14 million people nationwide have taken advantage of 3 free online credit reports with score and the trend does not seem to be slowing down. Having a copy of your credit report will help you determine if you are a victim of identity fraud or have any type of errors on your credit report that could be harming your credit rating.

If you do run across any errors on any of your 3 free online credit reports with score, you should immediately report it to the corresponding agency. Take advantage of your yearly government credit report.

Frederick

Free Printable Online Credit Report – Why You Should Obtain One?

Ann Born asked:

If you are like the many users, you are getting your personal credit report via the internet. If you have not and are considering doing so, there may be a few things you should know. Were you aware that you could get a free printable online credit report through the many places that offer credit reports online? Most of the web sites that offer credit reports will offer a printable version as well.

Getting your free printable online credit report can help you save a good deal of time and prevent the need to constantly go back and forth reading and re-reading the report repeatedly. By using the option to get a free printable online credit report, you will be able to go over it thoroughly right at your desk, table or anywhere. This could give you a better insight into what is on the credit report that you may not be able to get from the computer screen.

Your personal credit report may contain some items you need to carefully investigate and understand that may be hurting your credit rating. Having the free printable online credit report right in front of you can help you come up with a plan to report errors and improve your credit rating.

Many of the web sites on the internet offering credit reports online, offer a free 30 day trial. Take advantage of this trial and receive a free printable online credit report. After you receive this, you can then cancel the membership to that web site if you think you will no longer need to use their services.

It is important that you understand that as a free member, you may not be entitled to a free printable online credit report on every web site. As their popularity increases, most reporting companies are putting an end to the free printable online credit reports. You may have to pay a small fee on some for the printable version.

There are many advantages to having a free printable online credit report. For example, if you find yourself turned down for credit, you have the option of taking them the report and giving them a first hand look at what is contained in your credit report. If this does not influence their decision, take your very detailed plan on improving your credit. By showing them your determination and ability to make each payment every month, you may find them more accepting of your credit application.

Peter

Where exactly can you check your credit score for FREE?

Tex asked:

All of the ligitimate sources I have looked at have a sign up scam running. You must sign up for credit protection plans or the like before you can get your free score. You must give them your credit card number for your free trial that by the way is difficult to get “unsubscribed” to. I thought the law said you could get a free credit score yearly. Where do I do this?

Cory

Obtain Your Absolutely Free Credit Report, No Trial!

Ann Born asked:

You have an abundance of alternatives when looking for an absolutely free credit report, no trial. Within the United States, Americans have the ability to receive one absolutely free credit report, no trial from each of the three major reporting companies, yearly. Equifax, TransUnion, and Experian all provide you one free credit report on a yearly basis. The only requirement from you is that you contact any one of them and request your absolutely free credit report, no trial.

You will be required to provide them with proof of identification and current address. This is a necessary step to prove that you are the person shown on the credit report. After you have requested the absolutely free credit report, no trial, you will find your credit report sitting in your mailbox in as little as two weeks. If you are not willing to write these companies to request your free credit report, you can contact them by telephone as well. Depending upon the company you are going with, you may be able to find your credit rating right over the phone. However, you will still need to provide them with some identifying information.

Receiving an absolutely free credit report, no trial, is suitable for most people. There is really no reason you need to have constant review of your credit report. It does not generally change overnight, unless you have many different credit issues to deal with. The internet provides you with a multitude of methods in obtaining a free credit report; however, this will not be an absolutely free credit report, no trial. You will be required to provide credit card information and have to go through a 30-day free trial. There is no reason to risk your money or information online, when you can get a yearly, absolutely free credit report, no trial.

Michelle

What is the legit “free credit report” website?

Coen asked:

You hear from all sorts of places about getting your free credit report, but you just have to sign up for a free trial. And there’s always that catch. I saw something yesterday on the TV about a free credit report being offered and the offer expires end this month? I can’t remember who it was.

Also, that offer aside, what is the legit place to get access to your once a year, free credit report? I don’t trust half of what I read….

Michele

What is the legit “free credit report” website?

Momto2inFL asked:

You hear from all sorts of places about getting your free credit report, but you just have to sign up for a free trial. And there’s always that catch. I saw something yesterday on the TV about a free credit report being offered and the offer expires March 31st? I can’t remember who it was.

Also, that offer aside, what is the legit place to get access to your once a year, free credit report? I don’t trust half of what I read….

Thanks!

Eddie

How can I check my credit report for free without signing up for a program online?

trrocks03 asked:

I know there are dozens of sites that offer a free credit report where you must sign up for a free 30-day trial of some program that monitors your credit. Is there any site that doesnt need this subscription? If not, is this method safe?

Carol

Where is the legitimate “free credit report” website?

trang asked:

You hear from all sorts of places about getting your free credit report, but you just have to sign up for a free trial. And there’s always that catch. I saw something yesterday on the TV about a free credit report being offered and the offer expires end this month? I can’t remember who it was.

Also, that offer aside, what is the legit place to get access to your once a year, free credit report? I don’t trust half of what I read….

Troy