Free Credit Report Without a Credit Card

All credit report providers ask for you to have a credit card or debit card available when checking your credit report. Any credit report provider that allows you to access your credit report online without a credit card is probably not actually presenting you with your credit report at all. Now, there is a very good reason for credit reporting agencies asking you to provide credit card details when accessing your credit report – so, even if you were hoping to access your credit report without a credit card, please read on…. You can still get a copy of your credit report for free!

Credit cards and debit cards are a very good method of proving your identity. Proving a persons identity online, without them providing a credit card would be near on impossible. Proving a persons identity when providing them with a credit report is vitally important. Why? We hear you ask. Well, first and foremost, it is illegal to provide anyone with a credit report, other than their own credit report. This is of course unless the person in question has granted express permission for someone else to view their personal credit report.

The law has been made in such a way so as to prevent identity fraud, which has become ever more prominent in today's society, whilst still allowing creditors to credit check individuals. After all, we're sure that we'd all rather have our credit records protected from fraudsters, than allow them free access to our credit reports by not making them provide some sort of identification online. Wouldn't we?

If you would like to access a free copy of your credit report, use the links to the right of this page and access a Free Equifax report, or a Free Experian Report. You will be asked to provide credit card, or debit card details when attempting to access your credit report, but this is just as much for the protection of your credit file as anything else.

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