How do you get a free credit report on-line without giving credit card information?

I have no credit card and all of these agencies that offer a free credit report are requiring you to give your credit card information. And annualcreditreport.com keeps saying there is some kind of block preventing them from giving any information at this time. It says to try again later, but I have been trying for days. If anyone can please help me i would appreciate it. Thanx .

How do you get a free credit report on-line without giving credit card information?
If you are not able to get your report from the annual free website, call the credit reporting agencies directly. You might not be answering all the security questions correctly, or there might be a different address on your credit files if you have moved in the past year or so.


Also, if you submit a dispute on your credit file, the credit reporting agencies always send you a copy of the credit file with the results. I know that Equifax has an option to receive the result copy online (www.investigate.equifax.com).





The other thing that might cause a problem is if you do not have a credit history. You say you have no credit card ... have you ever had credit cards or loans in the past? If not, there simply might not be a credit record available.





When in doubt, call the credit reporting agencies directly - you can request a free report if you were denied credit, or if you live in a "free" state (Maine, Massachusetts, Georgia, Vermont, Colorado, New Jersey, or Maryland), or if you are a victim of ID theft.
Reply:You shouldn't need a cc number to get you're free credit report. Usually what they're claiming is free is attached to a contract for credit monitoring or something. If annualcreditreport.com says you're report is blocked call the bureaus and find out what the block is. By law they have to give it to you but it may have been flagged for fraud so they require additional verification that you're you. California also has an "opt out" provision where anyone accesing you're account has to provide PIN (that they get from you). Everyone else gets the stiffarm.

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