Free Credit Report No Credit Card Needed

It's fairly easy to get a free credit report without a credit card if you know where to look. Luckily, you were smart enough to look here.

A free instant credit report and score can be obtained online here at My Free Credit Report. Simple steps of filling out an outline application with accurate information is all that is needed.


Credit checks are often used by creditors to deem your credit worthiness. Often times, credit checks are also run on you when applying for jobs, too. It is very wise for consumers to know what is on their credit report before applying for new credit or pursuing a new career. If there are any reporting errors, this gives you opportunity to correct them before any damage is done.

A regular credit check also can help you to monitor your credit for identity theft. Identity theft hits over 5 million individuals in the US alone - free credit reports can help protect yourself from this nasty crime. A no-cost credit report that you can get without needing a credit card is a perfect solution.

Tips to Build Good Credit

Getting credit when you have no credit history can be challenging and quite frustrating. Seems potential creditors want to see a credit history before they will extend credit to you. So, how do you get credit when you don't have a credit history?

Credit Builder - Tip #1

Open a checking and/or savings account. While this does not start to build your credit, it will show that you have income and know how to manage your money. Also, canceled checks to your landlord or utility companies can be used as proof of payment to show that you do pay your bills and pay them on time

Credit Builder - Tip #2

Try and get a credit card to a department store. If you pay on time and consistently, this will be great for your credit history.

Credit Builder - Tip #3

Get a secured credit card. This type of credit card requires a deposit to the account to secure that the institution will be paid in case you default. After a certain amount of time of successful payments, your deposit will most likely be returned to you.

Credit Builder - Tip #4

If you can't qualify for credit based on your own credit history, try and get a co-signer.

Building credit and maintaining a good credit score is crucial in todays times. Don't know your credit score? Get an instantly free credit report an credit score from one of our sponsors.