Finding a Free Credit Report without a Credit Card

If you are looking for a way to check and know your free credit report without a credit card then read this article. This article will discuss about the FACT act that gives you an opportunity to get a free credit report without a credit card, how to get it and the information you need to provide. After reading this article, you should know that this day it is already possible and really true to get a free credit report without a credit card.

It was true that it was really difficult and merely impossible to get a free credit report without a credit card in the previous years but the enacted law commonly known as the Fair and Accurate Credit Transaction Act (FACT) made it possible. Now 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 made by the three major credit bureaus, Equifax, TransUnion and Experian. This site was created to make it easier to find ones free credit report without a credit card. Under the act, everyone is entitled for a free credit report without a credit card once in a 12 month period.

In order to get your free credit report by accessing the website from the Federal Trade Commission’s official consumer credit website.  The other way to get it is to contact the credit bureaus directly through their toll free telephone number or through the mailing address provided by the three credit bureaus. But take note that you will get the report within 15 days.  Also, the three bureaus have different sources for the information they include in their reports so their credit reports for the same person tend to differ from each other.

For you to get your free credit report without a credit card, you only need to provide your name, birth date, social security number, previous addresses if you have moved, employment history, and some security questions. If some other personal information being requested like personal accounts number or even credit card number, then this is not the right website you should be. 

Now that you know that it is already possible to get a free credit report without a credit card, you should try to get your credit score to know where you stand and find a credit solution. Remember to go to the right website in order to get your real credit score.