Get Your Free Credit Report and Score Without a Credit Card

How to Get a Free Credit Report and Score

Visit AnnualCreditReport.com, the only federally authorized site for free credit reports. Follow these steps:

1. Enter your name, address, Social Security number, and date of birth.
2. Select the credit bureau(s) you want to view (Equifax, Experian, TransUnion).
3. Answer a few identity‑verification questions; no credit card is required.
4. Download or print your report immediately.

Many free‑score providers (e.g., Credit Karma, Credit Sesame) also let you view your credit score without a card after you create an account.

Common Mistake

Beware of sites that ask for payment information before showing the report. The official site never asks for a credit card.

Verify the Source

Check the URL for annualcreditreport.com and look for the Federal Trade Commission seal to ensure you’re on the legitimate portal.