How to Obtain a Free Credit Report Without a Credit Card

Just because you don't own any personal credit cards like Visa, MasterCard, or American Express, doesn't mean you don't have a credit report. It's always safe to check on your personal information to make sure no one else out there is using it without your knowledge. Everyone is entitled to a free credit report check once a year from the three major credit bureaus.

Instructions

1. Go to the annual credit report website.

2. Choose your state from the drop down menu in the center of the page and select "Request Report."

3. Fill out all the personal information requested such as name, birth date, SSN, and current and past address. Your report will be available immediately online once you have supplied proof of identity.

4. If you wish to receive the report by mail, fill out a request form and send it to:

   Annual Credit Report Request Service
   P.O. Box 105281
   Atlanta, GA 30348-5281

References

• FTC credit facts for consumers

Resources

• Annual Credit Report website
• Report by mail