How Do I Get a Copy of My Credit Report If I Don't Have a Credit Card?

Although having a credit card with a low balance and current payments can actually help raise your credit score, you do not have to have a credit card to get a copy of your credit report. The process for receiving your credit report is the same for people with credit cards and for people without. You will just have fewer items reported on your report and typically have less credit history. AnnualCreditReport.com is the only site approved under the government mandated free credit report program.

Instructions

1

Decide how you want to receive your credit report. You may request your report online, by phone or through the mail.

2

Visit AnnualCreditReport.com to see your credit reports immediately. This site was established by the three credit reporting agencies, Equifax, Experian and TransUnion. You can get, view and print out a free copy of your credit report from each agency once every 12 months.

3

Call 1-877-322-8228 and request your credit report by phone. Prepare to provide the system with information such as, your social security number and address to verify your identification. The reports are then mailed to you at the address you provide.

4

Ask for your credit report in writing. Print a request form from the credit report site and mail the request form to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. It can typically take up to three weeks for you to receive the reports.