Absolutely Free Credit Report with No Trial Required
If you’re looking for an “absolutely free credit report with no trial required,” there’s really only one place to go.
The federal government offers this type of free credit report with absolutely no strings at Annualcreditreport.com.
While it is absolutely free, no trial, no sign-up, no nonsense, it doesn’t include a free credit score, so it may not be what you’re looking for.
Most consumers don’t know how to read a credit report, so their interest lies in that ever-powerful three-digit credit score.
But having free access to your credit report, even if it doesn’t include the credit score, isn’t a bad thing.
You get all the information you’d get on a typical credit report that you’d have to pay for and at least sign up for a free trial without all the hassle.
You’re limited to one report from each of the top three credit bureaus once per year, so you can order all three at once, or spread it out through the year.
Keep in mind that information is reported differently amongst bureaus, so be sure to track all three.
I like to start with a free credit report to determine if a paid credit report complete with credit score is necessary.
If I don’t see anything derogatory on the initial report, I can get a fair estimate of my credit score using my handy credit score range as a barometer (what is a good credit score?).
Warning: When signing up for the absolutely free credit report via the government site, watch out for attempts by the credit bureaus to charge you for a credit score or more access.
Be sure to click on the “no thanks” tabs when prompted, usually below the oversized print telling you to sign up for full access.
Related Topics:
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- Free Credit Report
- Get a Free Credit Report Without a Credit Card
- Free Credit Report vs. Credit Monitoring
Posted Under: Credit Help and Tips