Free Credit Report No Credit Card: Is It True?

In 2005 Government inflicted a law according to which all US citizens are entitled to free credit reports from the three credit agencies namely, Experian, Equifax and TransUnion. If you wish to get your free credit report from annualcreditreport.com then you don’t need to enter your credit card details. Here are simple steps you can follow to get the free credit report no credit card:

1. Visit the annualcreditreport.com and fill a simple request form giving out few necessary personal and financial details like name, address, social security number and few others. The website doesn’t require you to enter the credit card details as it is endorsed by the government. The website is user-friendly and self-explanatory thus you will never feel the need of assistance.
2. In case you don’t have access to the internet you can make a call and request for your free credit report without using the credit cards.
3. You can even get the annual credit report request form and mail it to the agencies requesting for the credit reports. Bu you need to attach the identity proof with the form to ensure smooth process.

Listed below are some of the advantages of looking out for the free credit reports without the use of credit cards:

1. The credit report help you analyze your credit standing in the market. You can check for yourself whether you qualify for the loans or not and if yes, what interest rate will be charged. In case the credit score is real low then it is best to make serious efforts to improve the credit score by taking assistance of the trusted and reliable credit monitoring service providers.
2. The credit reports give you an opportunity to look if you have been a victim of identity theft in the past. The cases of identity theft in US are on a constant high. The hackers fake your identity and use your credit cards or open fake bank accounts.
3. You must even check the reports for the inaccuracies in the credit reports. Even a single error can drastically lower down your credit score affecting your credit history badly.

The credit reports give you an opportunity to keep a track of all your expenses and then carefully plan your budget to ensure you make adequate savings to lead a happy life.