Free Credit Report No Credit Card Tips

Under the federal law, you are entitled for an annual credit report from the three major credit bureaus – Experian, Equifax and TransUnion. These three bureaus compile all information about the consumer that it receives from various banks, collection agencies, lender, creditors and hospitals etc., and prepares the credit report of the individual.

The government has made it mandatory for the three credit bureaus to provide the consumer with a free credit report annually. This is truly the only free credit report no credit card that you can avail. There are a number of ways in which you can get your free credit report no credit card details required. All that is required is some personal information to verify your identity.

1. You have to place your order for the free credit report by means of phone, mail or online. To place the order by phone, call:

Equifax – 800-685-1111
Experian – 888-EXPERIAN
TransUnion – 800-888-4213

2. To place the order online, you can log in to the central website, annualcreditreport.com, of the three credit bureaus. You will be asked to provide a few personal details and when your identity is verified, you can access your report.

3. If you have already accessed your reports once in the year and wish to do so again, there are certain exceptional circumstances specified by the Fair Credit Reporting Act, under which you can get your report.

    1. If you have been denied loan, mortgage or employment. You have the right to ask for a copy of your credit report and also the name, address and phone number of the company, which reported the negative entry.
    2. If you are a victim of identity theft and have reported it.
    3. If you are unemployed and propose to apply for a job within 60 days.
    4. If you are on welfare.
Though there are a number of companies offering a free credit report no credit card required, it actually is not free. The catch is that you have to give the details of the credit card and you are offered a trial period during which you can have a free credit report, free credit score, credit monitoring services and Identity theft alerts. For this, you will have to sign up. If you are dissatisfied with the services of the company, you can cancel your subscription before the end of the trial offer and not pay anything.

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