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Have you been denied credit recently or do you want to check your credit report to make sure
fraud hasn’t been committed in your name? You have probably looked at a credit site and been
asked for your credit card details. What happens if you want to see your credit report but you
don’t have a credit card? What if you can’t use your credit card as you have already maxed out your
credit card and need to look at your credit report? Unbeknown to many people, you can actually
get your free credit report without a credit card.
Everyone is entitled to view their credit report without having to pay a dime. You are also entitled
to view your credit report without having to use your credit card. Many of the credit sites ask you
for your credit card details but they give you a free trial. This free trial usually lasts for around thirty
days. After this thirty days free trail, your credit card will be charged every month.
Where to get the free credit report from?
As you are entitled to get your free credit report, you should be taking advantage of the
availability. You will be only able to get your free credit report once per annum. You can however,
get three free credit reports without a credit card from three different companies. Get a free
credit report once every few months from each of the three credit reports. This means you have
nearly a year’s worth of free credit reports.
The three credit companies to receive your free credit reports from are as follows: Equifax, Trans
Union and Experian. You can see your free credit report online, but only if you can actually prove
you are who you say you are. You will need to have your identification verified before you can see
your credit report. This is to safeguard your personal details and to stop fraudsters getting a hold of
your personal details.
What other circumstances allow a free credit report
If you apply for any credit at any time, whether you have already viewed your credit reports or not,
and you are denied the loan, mortgage or credit card you can then get another credit report. You
can get a free credit report within 60 days of being denied the credit. Getting a free credit report
after being denied credit is especially useful to make sure your account has been used for
fraudulent activities. You have wrongly been denied credit and getting your credit record can
confirm or dispel your suspicions.
O this just proves that you can have your cake and eat it. You can get a free credit report without a
credit card. Keep your credit rating healthy and looking fabulous by getting your free credit checks
without having to pay anything or needed a credit card.
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