These days it is nearly impossible to get anything at all without a credit card. It is hard to rent movies to watch with your family, make reservations at a hotel, get a free trial of some online promotion or do a number of other things if you do not have a credit card. Not everyone has a credit card though, believe it or not. There are some people out there who have poor credit and cannot be approved for a credit card or who simply desire not to have one. So what do these people do when they want to get a credit report without a credit card?

Request Your Free Credit Report from Annulacreditreport.com

Thanks to the Fair Credit Reporting Act, otherwise known as the FCRA, all US consumers are able to request a totally free copy of their three credit reports once a year. No credit card is needed to do this and it only takes a few moments to request online. Typically there will be a series of questions asked such as your name, current address, previous address, social security number and date of birth to start with. Once that info is added then you will be sent to each of the three credit reporting agencies websites. Each one will have a variety of security questions in order to verify your identity. These questions will be multi choice and will include streets you may have lived on in the past, banks you’ve had accounts with, cities you have lived in and other things of this nature. As long as the questions are answered properly you will move along to the next step.

When You Have Been Denied for Credit

If you go out and apply for a loan and for some reason your application is denied, the financial institution has the responsibility to contact you within 30 days giving you the option of requesting your credit report. This is of course as long as the reason you were declined was because of a negative item on your credit report. In most cases this is the primary reason for denial. Once you receive that letter you have carte blanche to contact the credit reporting agencies and request a written copy of your credit report, through email or snail mail. This is a very popular way to get a credit report without a credit card.

While you may be looking for a way to get a credit report without a credit card, you must also realize that these days there are dozens of companies that issue what are called pre-paid credit cards. They work just as good as any other card in terms of carrying the Visa or MasterCard logo, the only thing is you can only spend what is actually on the card. If you want to join a credit monitoring service or something of that nature but do not have a credit card, you may want to look into the pre-paid credit card option.