Where can I find my credit score if I've never had a credit card?
by Author on Tuesday, July 27th, 2010 | 6 Comments
I'm 23, and I have had student loans for the past five years, I have a cell phone in my name, I've rented two seperate apartments in the past, and I've always paid my bills on time. But I've been waiting till I got that full-time job before signing up for a credit card. I have the job now, and looking to get a new car, but I'm worried about having no credit to go on and being turned down, even though with current conditions I could pay off the car in two years easy. Everywhere I've looked to get my credit score, they ask for a credit card number. Is there any other way?
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Go to annualcreditreport.com and you can get a free copy of your credit report. You are entitled to one free copy per year from each of the three bureaus. If you go to the site today, only get one report and then you can go back in a few months and get one from one of the other two places and then go back a few months later and get the third one. I made the mistake of getting all 3 of mine at once and now I can’t get another one for several more months. This site gives you your credit report for free but if you want your credit score it costs money. You’ll see a link when you go there.
Crazy, isn’t it?? Have you checked freecreditreport.com?
if you go to freecredireport.com. you will have to enter a credit card number. after you see your report call them to cancel and you will not be charged. You will still be able to see your report for the next 30 days for free. I just did this a month ago. its awesome. also you can get a free credit report annually from all 3 major bearus. annualcreditreport.com or experian.com
Shure , You can get your credit report , if you have a credit card or not.
go to http://www.annualcreditreport.com
or call 1-877-322-8228
They ask for credit card to PAY FOR your score. I go thru truecredit.com and pay 15.00 a month to have 24/7 access to my score and report and any changes that were made it alerts me.
You can open a USBANK account, if you dont have a balance with them, and the check card they give you can be used as a CREDIT CARD, to make online purchases among other things.
When getting a car… if you have a good job .. they usually will do what they can to get you into some car on thier lot. Even if you dont have a "credit card" utilitiy companies, unpaid tickets, fingerhut… book clubs…. target… it all shows as " CREDIT being applied for"
I hear people are hacking into annualcreditreport.com
call each credit bureau individually and they will mail
it out to you.
# To obtain free credit reports, a person needs to log in to the website http://www.annualcreditreport.com. This is the federal law authorized source to get a free annual credit report.
# Individual credit reporting agencies viz. Experian, Equifax, TransUnion also provide credit report for a fees of about 10$ per report.
# If you have been denied a credit, you can apply for free credit report from these three credit rating agencies. Read more from: http://www.credit-card-gallery.com/article/274,15_facts_everyone_must_know_about_credit_reports