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How can you see your free credit report without having a credit card?

I am trying to find my credit report, but all the sites I go to, you have to use a credit card. I don’t have one and don’t want one. Does anyone know a site where you don’t have to use a credit card? Thanks:)

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10 Responses to “How can you see your free credit report without having a credit card?”

  1. goukermj said :

    That is the totally free site that the govenment has. You can get a free report from all three agancies once per year. I do not know if you have to have a credit card to get into it. But I know they ask you questions about previous addresses, loans, ect to confirm you identity. You should be able to find something there, but remember, if you are able to pull up your report, you should print it. Once you close the window, you will not be able to pull it up again for a whole year.

  2. Paris P said :

    If you don’t have a credit card, you probably don’t have any credit history and therefore have no credit report. However, if you bank at one of the larger banks (Chase, Fifth Third, WaMu), they can run your information through Qualifile and pull up your score and see if there’s any history. They might only do it for you if you open a new checking account though.

    The best way nowadays to start a credit history is to apply for department store credit cards or gas station credit cards since these cards have less stricter lending requirements but higher interest rates.

  3. always runnin l8 ;-) said :

    If your in the U.K you can send a cheque or postal order to Experian, however I’ve just noticed they advertise on the web site a free credit report, maybe check this out?
    I’ve only ever done it buy cheque 🙂

  4. Fico C said :

    This is a very simple.

    If you don’t have a credit card and want to see how your credit is, write each credit ber. and request a copy of your credit report.

    You get one free each year for all three. And if you have gotten your free one, you just write a check or send in a money order.

    You can go on each site to find out cost if you have already ordered them within a year. It takes a little bit longer to get it but it does the job you need.

  5. Gatsby216 said :

    Go to

  6. Barbara S said :

    Maybe you can try below website to get the information you need. It’s about free credit report articles for your second opinion.

  7. BrenBren said :

    This site is set up by the government so that people who care about fixing their credit or care in general can take a look at it once a year to see what they need to fix or whatever. It lets you look at all three credit beauros… I’ve used it and i recommend it.

  8. claimbankchargesback said :

    Both Experian and Equifax offer paper credit reports for £2 under the Data Protection Act. Send them a postal order for £2 and you`ll get a credit report send to you within 7 days.

    Its worth checking both, as they don’t always hold the same information.

    This is the cheapest you are going to get them for. You can use someone elses card to get the experian free trial (if you can get a friend of family member to let you use your card), but you have to go through extra verification checks which is a bit of a paid. The online reports though are much more detailed then the paper versions.

    Links to both of the £2 offers are shown below.

  9. grierGRIER h said :

    All information about your credit report:
    # Equifax, Experian and TransUnion: These three credit reporting agencies determine the credit worthiness of people in USA by making credit ratings for them.
    # Every person can receive one copy of credit report from each of the these credit reporting agencies absolutely free of cost.
    # To obtain free credit reports, a person needs to log in to the website This is the federal law authorized source to get a free annual credit report.
    # Individual credit reporting agencies viz. Experian, Equifax, TransUnion also provide credit report for a fees of about 10$ per report.
    # If you have been denied a credit, you can apply for free credit report from these three credit rating agencies.
    # The three different credit rating agencies maintain different credit reports and each one of them has to be obtained in order to get a comprehensive picture of your credit report.
    # Credit report has 4 different parts: identifying information about the individual, credit history, public records, and inquiries made to the credit file.
    # Identifying information includes your name and address, and social security number.
    # Credit history includes detailed list of each of the accounts you have and corresponding account numbers( the numbers can be encrypted). The other details shown on credit history will be the date of opening of account, the details of loans you took, total amount of loan, your payment history, the amount you still owe and the status of the account. Read more from:,15_facts_everyone_must_know_about_credit_reports

  10. Worked said :


    first it is essential to establish you reside within the UK. If you do:

    You will be aware that there are three agencies that have been licensed by the government to compile credit information about you under the Data Protection Act.

    You should request a credit report under s7 of the Data Protection Act.

    Look at the Information Commissioner’s Office website- read the following page:

    This explain the procedure for requesting credit reports.
    Download the leaflet PDF “Credit explained” on the page.

    You should then seek to obtain a £2 statutory credit report from each of the three agencies (it is not free any more):

    Equifax Plc
    Credit File Advice Centre
    PO Box 1140
    BD1 5US

    Call Credit Plc
    Consumer Services Team
    PO Box 491
    LS3 1WZ
    0870 060 1414

    Experian Ltd
    Consumer Help Service
    PO Box 8000
    NG80 7WF
    0870 241 6212

    You should be aware that they each compile different reports. It is not free, there is a £2 statutory fee they can charge because of the Government, that will entitle you to a basic report which information and codes are not really explained. Please note these companies illegitimately try to divert you to an “Online Credit Report” and there are many links that divert you to it. If you want this service, you will have to pay an exorbitant monthly fee. Otherwise, stick with the £2 statutory report.

    You do not need a credit card to pay for the statutory report. Simply download an application form from each credit agency website you want a report from, or write a letter as explained by the Information Commissioner’s leaflet, and post it to them along with a CHEQUE for £2.


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