| Everywhere you look there are advertisements and | | | | being turned down, because you are unaware of |
| banners flashing at us, saying "Get your FREE credit | | | | where your credit currently sits. |
| report now!" However, most people are wondering, | | | | While you cannot obtain a free credit report online |
| "Can I get free credit reports online without using a | | | | without using a credit card, you can take advantage of |
| credit card?" To be blunt about it, no it is simply not | | | | other avenues available offline. For example, you could |
| possible. There are no companies that exist, around | | | | send a letter to one of the three major reporting |
| the internet that will give you a free credit report online, | | | | companies with a request; you will need to provide |
| without using a credit card. There are a few different | | | | them with a copy of your valid driver's license or other |
| reasons for this. | | | | photo identification and possibly a copy of a recent |
| The first and most important is that the credit card is | | | | utility bill, as well. |
| used to verify just who you are. Think about it, do you | | | | While not everyone has a credit card, it is virtually |
| really want someone, which is not you, accessing your | | | | impossible to obtain a free credit report online without |
| private and very personal credit report? Most likely not, | | | | using a credit card. For these purposes, you may |
| therefore most companies want a credit card for | | | | consider opening a checking or savings account that |
| verification purposes. Many people all around the globe | | | | will provide you with a debit card. Furthermore, you |
| obtain a credit card, just for the purpose of | | | | could consider a secure credit card as well. With a |
| identification. Essentially, in order to obtain a free credit | | | | secure credit card, your balance is determined by the |
| report online, you have to have a credit card and in | | | | amount of money you deposit into the account. While it |
| order to obtain a credit card; you have to know your | | | | is impossible to obtain a free credit report online, |
| credit rating. It is a never-ending circle. If you do not | | | | without using a credit card, you can implement other |
| know your credit rating, you are running the risk of | | | | methods of obtaining your credit report. |