If you have to enter your credit card number for a free credit report, you probably have to also enroll in a subscription to get that report. If you don't cancel the subscription within the trial period, then your credit card will be charged every month until you finally cancel. Fortunately, there are several ways you can order a free credit report with no subscription.
AnnualCreditReport.com
You can order all three of your credit reports once a year without entering a credit card number and without a subscription. There are three ways to order your annual credit report - through the internet, by phone, and by mail.
Quizzle.com
You order your Experian credit report and credit score for free twice a year with no subscription.
States With Free Credit Reports
Certain states have laws that let you order a free credit report with no subscription. These states include Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, Puerto Rico, and Vermont. Use these links to order your free state credit report.
- Equifax
- Experian or call 1-866-200-6020
- TransUnion
Special Situations for Free Credit Report
Finally, you can order a free credit report with no subscription if you’re recently been turned down for a credit card or loan based on your credit report, if you’re unemployed and planning to look for a job soon, if you’re on welfare or receiving government assistance, or if you think you’ve been a victim of identity theft. If any of these apply, you can use the credit bureau links above to order your credit report. Use the credit bureau links above to order your credit report in these situations.
