Everywhere you look there are advertisements and banners flashing at us, saying "Get your FREE credit report now!" However, most people are wondering, "Can I get free credit reports online without using a credit card?" To be blunt about it, no it is simply not possible. There are no companies that exist, around the internet that will give you a free credit report online, without using a credit card. There are a few different reasons for this.
The first and most important is that the credit card is used to verify just who you are. Think about it, do you really want someone, which is not you, accessing your private and very personal credit report? Most likely not, therefore most companies want a credit card for verification purposes. Many people all around the globe obtain a credit card, just for the purpose of identification. Essentially, in order to obtain a free credit report online, you have to have a credit card and in order to obtain a credit card; you have to know your credit rating. It is a never-ending circle. If you do not know your credit rating, you are running the risk of being turned down, because you are unaware of where your credit currently sits.
While you cannot obtain a free credit report online without using a credit card, you can take advantage of other avenues available offline. For example, you could send a letter to one of the three major reporting companies with a request; you will need to provide them with a copy of your valid driver's license or other photo identification and possibly a copy of a recent utility bill, as well.
While not everyone has a credit card, it is virtually impossible to obtain a free credit report online without using a credit card. For these purposes, you may consider opening a checking or savings account that will provide you with a debit card. Furthermore, you could consider a secure credit card as well. With a secure credit card, your balance is determined by the amount of money you deposit into the account. While it is impossible to obtain a free credit report online, without using a credit card, you can implement other methods of obtaining your credit report.