Can You Get a Credit Report Without a Credit Card?

It amazes me some of the questions asked about credit reports. One such question is this article’s topic. The answer is a most resounding YES! It’s not necessary to have a credit card in order to get a copy of your report. You don’t even need to have a history to order copies of your report.

Why You Should Order Your Report

Your report is simply a detailed history of any financial transactions involving the use of credit. It doesn’t matter if you have anything on it or not. You can still get a copy of it, and you should get a copy of it. This is because there might be errors on it. If so, then it’s best to get them corrected before you apply for a Visa or Mastercard. If it turns out there are no errors on it, then you’ll still feel more confident applying for a card once you’ve taken a look at your history.

How to Order Your Free Report

First, you can get your report directly from the big three: TransUnion, no credit card shop online Experian, and Equifax. Simply visit their websites and they will guide you through the process. However, their payment methods usually force you to pay by credit or debit card. If you only have a debit card, then you can get your reports there. Another popular website is which gives you access to your score as well.

If you have no debit card, then simply search the web for the term “annual credit report.” Look for the official government website of the same name. You don’t need a credit or debit card to get your reports there. The US government has issued laws which allow anyone to be able to get access to their own reports, and they want to make sure you can get a copy very easily.

Online Safety

Some people may not like giving out their financial information over the internet. Furthermore, you might not feel comfortable having your financial history transmitted on the web. If that’s the case, you can still use good old regular mail. You simply download the form, fill it out, and mail it to them. Most sites have an option for doing this. Your results will also be mailed back to you.


So, I hope this has cleared up any misunderstanding about whether you need a credit card to order your credit report. Anyone can order a free copy of their report once a year.

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