Does anyone know where I could get a real "FREE" credit report&score w/o needing a credit card/payment method
549378
A new law passed which requires each of the major 3 to provide one copy per calendar year.
290115
There is a place to get a completely free credit report. \nhttps://www.annualcreditreport.com/cra/index.jsp\nYou pay for nothing unless you want to look at your score. You dont even have to enter a credit card number. Also don't check your credit report every 4 months as another user suggested. Too many inquiries will lower your score.
945557
You entitled to an annual report for free from all three credit bureaus.\n\nwww.annualcreditreport.com
226195
If you are looking to order a credit report, use www.annualcreditreport.com
661925
www.freecreditreport.com\n\nhttp://www.eloan.com/myeloan/viewscore better site\n\nhttp://www.e-wisdom.com/credit/reports.html?yhttp://www.freewebs.com/freecreditreportcom/\n\nI can't remember which one of these are free. i think all but one? But heres some sites. to check out.
362145
As Studly said there is no place where you can get your FICO credit score for free. \n\nThe ONLY place to get your FICO credit scores for all 3 of your credit files is at www.myfico.com/12. It will cost you $45.00 but give you all 3 of your FICO scores (the one lenders use) plus the top 4 reasons your score isn't higher which will give you a game plan. While you are there check out the Credit Education section. It will tell you exactly how credit scores are calculated. Equifax sells a FICO credit score for $7.95 but that is only one credit bureau.\n\nBut before you spend any money go to www.annualcreditreport.com and get copies of your 3 credit files free.
927618
Use www.freecreditreport.com
1072886
Go to any of the Credit Reporting sites Directly (Experian, TRW, etc). Somewhere there will be a tab for your Free Annual Credit Report. Follow the directions. You do NOT need a credit card. They will ask you some very detailed questions about You...Name, D.O.B. Soc Sec #, etc.
77661
Annualcreditreport is the best free credit report.\nYou can click on the link below, and find out for yourself.\n\nhttps://www.annualcreditreport.com/cra/errorState?currState=&ion=&date=&from=landing
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.
421670
You can go to www.annualcreditreport.com and get a credit report from the three major credit reporting agencies, but you have to pay $5.00 to get your credit score.
469888
Not free and not the real web site for the free ones. Try annualcreditreport.com
145733
You can get a free credit report and score at www.annualcreditreport.com once a year. Most places don't usually give scores, just the credit report, but Experian usually does.
538937
www.annualcreditreport.com \n\nthe upside - You get one FREE report per year from all three major credit bureaus all from this one site.\nthe downside - you do have to pay to get the FICO score.\nBut after you've viewed what's on your credit, you should be able to get an approximate idea what your credit score would be and if its worth paying for.
783844
Go to http://www.annualcreditreport.com\n\nThis site is TOTALLY FREE -- it won't even ask for your credit card. You can get 1 free credit report per year.\n\nThe federal Fair Credit Reporting Act (FCRA) requires that U.S. consumers be entitled to a free credit report each year. The government’s goal is to make sure that consumers stay informed, fight identity theft, and get fair treatment. This is the government mandated website where you can get 1 free credit report from the 3 agencies for free in one year:
993888
Skip is dead wrong. There are no free scores out there and if there were, they wouldn't be correct. In my research I have found that FICO, Identity Guard and TrueCredit all report different credit scores. I have found TrueCredit to be the most accurate, based on credit report information. TrueCredit is affiliated with TranUnion Credit Bureau.\n\nI get my reports free annually and, whenever I apply for credit, ask what my scores are from the lender. But I find it necessary to monitor my credit more than once a year. For $30 bucks, I go to TrueCredit and buy my 3 credit report/score combination.
1130615
go to www.eloan.com  >>>credit report pull-down menu...free scores, that the only one that free