How can I get my credit report and score online with out having to sign up for a subscription or pay for it?
538600
I believe www.freecreditreport.com
648034
Check out the web sites of the big credit bureaus (Experian, Equifax, Trans Union) to see what their procedures are. I believe you have to join (pay) in order to be part of their reporting
142549
https://www.annualcreditreport.com\n\nYou can get three reports a year for free (one from each of the 3 credit reporting agencies). Best of all, you don't have to sign up for anything like you do at freecreditreport.com.
502998
The closest that you will come is www.billmelater.com. But as you stated, they will check your credit.
172415
By law, each of the three credit reporting agencies must supply you with a copy of your credit report.\n\nGo to www.annualcreditreport.com to get it.
1023678
well you could do a form that emails somebody or multiple people the information , but then somebody at the office is going to have to run the person, spend the money to get their credit score/history, ect\n\ni would check out experian.com to see if they have something already put together in a affiliate package where people can check their credit score from your page and print it out and give it to the boss with their credit application, and you will get a piece of all the action that comes from your website . . .
874620
There's no free place to check credit score.  Even the ones that advertise a free score make you sign up to a monitoring service first, then give you their version of the score.  The most commonly used score, the Beacon 5.0 is available at equifax.com.  The cost is $15.50 for a score and credit report online.  Annualcreditreport.com will sell you a score for $7.95, which is cheap, but not free.  If you sign up for score monitoring at equifax.com, you get 2 free score power reports, plus your score is monitored for changes.  This costs $7.95 per month, but there is no minumum number of months.
65823
AnnualCreditReport.com was set up by the big three credit reporting agencies in the United States(Equifax, Experian and TransUnion), to furnish free annual credit reports, as required by federal law.  Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies. AnnualCreditReport.com provides consumers with the secure means to do so. \n\nI suggest your credit report from only on of the reporting agencies, then 4 months later, check a different agency, then 4 months later, check the last one. So you'll be able to get a continues 4 month look at what might be appearing on your credit report.\n\nAnd remember, its absolutely free with no subscriptions or cost. You can pay extra for scores, but you don't have to.
479341
You can go to www.annualcreditreport.com . By law 3 credit agencies are required to give you a free credit report once a year. However, you do not get your credit score, just your credit report. If you want your score they usually charge around $6- $10. Good Luck.
1095697
www.myfreecreditscore.com   I think this one is really free, don't forget most states allow 1 every 12 months Free.  Also if you have been turned down  for credit you get a free copy
226195
If you are looking to order a credit report, use www.annualcreditreport.com
506794
Somebody here said "wwww.freecreditreport.com," but that's incorrect.  If you go to that site and order a free credit report, you're automatically enrolled in a monitoring program that is free for the first month but $12.95 a month afterward if you don't cancel.  Definitely not what you're looking for!\n\nAs someone here already mentioned, you need to go to www.annualcreditreport.com.  From there you can order a free credit report from TransUnion, Equifax, and Experian.\n\nThe beauty of this is that you don't have to order from all three companies at the same time.  Each allows you one free report per year.  You could order a free report from TransUnion every January, one from Equifax every May, and one from Experian every September, for example, and you'd be able to keep tabs on your credit three times a year.  That'll give you a pretty good opportunity to catch any errors that creep in.\n\nBear in mind that if you want to know your credit *score* - the final rating number - one, if not all, of these sites will charge you a few bucks for it.  They're legally obligated to report your details (accounts, payment history) for free, but not your score.
593918
http://www.annualcreditreport.com\n\nThis is the TOTALLY FREE website that you can use to get your credit report from the 3 agencies for free - without asking for your credit card or anything.
176590
Get a copy of your credit report through equifax. This report is free once a year.
654696
Go to http://www.annualcreditreport.com and get your totally free, no-strings-attached credit report.  Get one report from each of the three agencies, but only get one agency's report every four months (i.e. Experian in June, Equifax in October, TransUnion in February).  That way, you can monitor your report all year long for free.\n\nIf YOU are checking your report, it will NOT affect your score.  It only drops when you are applying for credit and someone else checks your score.
185160
As mentioned above, go to www.annualcreditreport.com.\n\nThis site was set up last year in response to a new law that forces the 3 credit agencies to supply you with a FREE yearly credit report.  It's fairly automated and easy to use.\n\nYou can either download your reports and view/print them while on-line, or get info on calling a toll-free number or mailing for them.  \n\nEither way, it's free and easy.  Go to the link and get more info.
1094635
#1) Pull all your reports. Not online, request actual physical copies. They usually contain more than what an online report does. This will give you a start on where you need to go with your reports. Also, keep them. Never toss them. They are proof later on if you need them to refer to if you ever get into a legal situation regarding your credit (lawsuit etc).\n\n#2) Dispute. Dispute anything that is not correct including, balance amounts, lates, etc. If you have only one or two lates, I would call your creditor and see if you can get them removed via goodwill gesture, or send a goodwill letter. You can find some great letters on some of the credit boards like creditnet.com and creditboards.com.\n\n#3.) Collections? If you have any collections on your account or anything that should not be there, send a DV (debt validation) to the creditor asking to prove the debt. If they cannot, they have to remove the debt off of your report by law.\n\n#4.) You have rights - check out http://www.ftc.gov/os/statutes/031224fcra.pdf for more info.\n\n#5.) check out some of the posts on creditnet.com and creditboards.com for assistance. \n\n#6.) If you have no credit, or want a temporary boost - have a family member or really (really, really, really) close friend add you in as an authorized user on their credit cards. Make sure the balances are not high, otherwise this could hurt you more. The higher the available credit, the more your utilization will go down on your report - therefore bumping your score.\n\n#7.) Avoid unnecessary inquiries. Hard pulls can hurt you, so avoid applying for new credit cards until after you buy your home.\n\nThis of course is a shortened version of things you can try. Research info on those links I provided you. You can increase your score spending just a short amount of time per week, sending letters to creditors etc. I increased my score over 100 points in less than 6 months. Depending on your situation, this could take shorter or longer time, but at least you have somewhere to start. Good luck!