Do you want to get your credit report? But you do not know how to get a free credit report without credit card? Do not worry because there are more and more companies offer this service, and you do not need to pay for the fee.
In the previous post, we introduce people to credit bureau check, to get information about it, you can read Five ways for you living in the US to credit bureau check for free. Now, let find knowledge about how to get a free credit report without a credit card in the post today.
FREE CREDIT REPORT WITHOUT CREDIT CARD
Just like a lot of article posts such as credit reporting services, credit rating companies, credit bureau check…, this post about free credit report includes some main parts. They are: “How to get a free credit report without a credit card?”, “Where to get a free credit report without a credit card?” and “Why should you get a free credit report without a credit card?”
1. How to get a free credit report without credit card?
The Fair and Accurate Credit Transactions Act (FACT Act) requires that each of the three major credit bureaus provide you with a free credit report once a year on request. Credit bureaus are not required to provide your credit score, but they are happy to provide you with a price increase.
The good news is that people can get free credit score online through a credit bureau or from one of several third-party companies. Many of these companies only provide people with a free credit score copy if people sign up for their free monthly credit monitoring service.
The credit monitoring service gives people the ability to check the credit score, verify the credit history is correct, and verify that there are no unauthorized entries in the report. People can always cancel your credit monitoring service before the free trial ends if people do not wish to pay for the service. The credit score will be free as long as they cancel it in time.
Get a free credit score without trial and without a credit card. The good news is that not all free credit points offer to require you to sign up for a free trial or to provide your credit card number. Karma Credit and Sesame Credit both provide free credit scores without restriction.
2. Where to get a free credit report without credit card?
FICO credit score is the most commonly used credit score in the United States. The following companies provide FICO free credit score or credit score equivalent to FICO credit score. Many of these companies provide a free 3-in-one credit score, based on information in your credit report from each of the three major credit bureaus, Equifax, Experian, and TransUnion.
2.1. Editor’s Choice – Credit Sesame
Credit Sesame. Like Credit Karma, the Credit Sesame is a free credit scoring service that uses credit report data to create own proprietary credit score. The Credit Sesame credit score is based on the Experian credit report. Again, people do not need to worry about a credit card or cancel a free trial. This is a really free service.
2.2. Credit Karma
Credit Karma. Credit Karma is a free service that provides users a TransRisk score based on information from your TransUnion credit report. This is not a FICO credit score, but it will give you a good idea of where you are.
Credit Karma does not require credit cards when people sign up for their services, so people can rest easy knowing that you do not need to worry about canceling a free trial. Here is our Karma Credit appraisal for more information and why we recommend this service.
2.3. Your Bank or Credit Card
A lot of banks and credit card companies now provide free credit score updates from one or more credit agencies. I can get free monthly updates from my main bank, one of my credit card companies and through both Credit Karma and Credit Sesame. This helps me to update my credit score and any changes reported by any major credit agencies.
GoFreeCredit stands out because they provide a credit score and credit monitoring based on all three major credit bureaus. You can immediately access your 3 credit points just sign up for a free trial and you will receive 3 free credit scores based on information found in your credit file with 3 major credit bureaus:
2.5. TrueCredit from TransUnion
TrueCredit is owned by TransUnion, one of the three major credit bureaus. The TrueCredit credit monitoring service gives you instant access to your TransUnion credit score, and you can set up alerts to alert you when your credit score changes. TrueCredit also offers $25,000 in identity theft insurance against their service. Get Your TransUnion Credit Report + Monitoring + Credit Lock from TrueCredit. No credit card required.
FreeCreditScore.com has become famous few years ago through their attractive ads. At the time, they offer free credit scores when you sign up for a free trial. FreeCreditScore.com is currently owned by Experian. You can get a free credit score based on the FICO Score 8 model.
Your Experian Credit Report and FICO® Score are FREE. No credit card required. Your membership includes a new Experian Credit Report and FICO® Score of 30 days, and Experian Credit Monitoring Alerts for new credit inquiries, new accounts, public profiles, timely warnings, and personal information updates when added to your Experian credit report.
3. Why should you get a free credit report without credit card?
Knowing your credit score will help if you plan to apply for a loan or if you have a credit need in the near future. It is a good practice to have an idea of your score, but, for most people, it may not be necessary to know the exact number.
However, reviewing your credit history regularly (at least every few months) is a good idea so you can track changes to your credit profile and be warned about the changes. may change or access unauthorized access to your credit.
Indeed, in order to get a personal loan with the best interest rate, you need to have a good credit score. To know you have a bad or good credit history, you should check your credit frequently from the credit reporting agencies.
Info Credit Free introduce to people not only about personal loans, credit bureau but also about the insurance in the US, Australia. If you are interested in the insurance, you can read our articles such as home loans, car loans, health loans or travel insurance.
Hillary (Team Content) – Info Credit Free