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Sonia Wants to Know How to Get a Free Credit Report Without a Credit Card


“Dear Steve,

Why do all the web sites you go to say you can get a free credit report but all of them ask for a credit card. I don’t have a credit card so where can I go to get a free credit report?


Dear Sonia,

You can get a free copy of your credit report online at without a credit card. Just to make sure you still could get a free copy this way I went to the site and got mine. And thanks to you I found a couple of items I needed to dispute. Using the online links I was able to do that online.

You can also get your free credit report by telephone. Call 1-877-322-8228 or by mail. You’ll need to print out this request form and send it to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


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  • Steve, thanks for posting this questions and solution. I recently encountered the same problem. I needed a credit check, but couldnt find a site that would do it without inputting a credit card. Finally, the site you recommended worked for me and I got a good look at my credit. I don’t think I would have found that site without your help, so thank you very much.

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