trying to own a home and need a credit report but all these sites ask for credit card information and if you don't have it you don't continue. help please?
2007-04-12 17:20:50 · 8 answers · asked by Anonymous in Business & Finance ➔ Credit
If you want a credit report without using a credit card, then stay away from FreeCreditReport.com.
AnnualCreditReport.com is the only government approved website to get your free credit reports. Under the FACT Act, you're allowed one free report per bureau, every 12 months.
You do not need a credit card or have to sign up for monitoring services.
2007-04-12 17:51:18 · answer #1 · answered by Celeste 6 · 0⤊ 0⤋
A rejection isn't always about bad credit and missing payments. It might actually be that the bank that runs the card doesn't think you earn enough money to support your rent, student loans and a new credit card. Check the rejection letter for the actual reason (however vague it might be). If you were turned down for something in your credit report, the letter will say so and mention that you're entitled to a free copy from the reporting agency they used.
2016-05-19 15:07:01 · answer #2 · answered by ? 3 · 0⤊ 0⤋
Well, you can get one free credit report per year. Check that, you need your social security number to have a credit report. If you don't have one, you don't have credit. If you have an apartment or a loan, or a bank account, or even utility bills, you do have credit. Just check your credit score online, and that is what you have. You don't need to have a ton of credit to get a loan, just a good score. I wish you luck with your home.
2007-04-12 17:43:47 · answer #3 · answered by chaseunchase 4 · 0⤊ 0⤋
mother...celeste is right..dont do the freecredit report...they make you put in your creidt card, and if you dont cancel the free trial..it charges you...annual credit report is not obligation whatsoever..you get 1 free credit report from each of the 3 credit bureaus, per year, and there is no catches or gimicks...simply get your report, then close out the screen..your done. it is a law that passes 2 years ago...
2007-04-12 20:58:07 · answer #4 · answered by danleela137 2 · 0⤊ 0⤋
Go to FTC.gov. You will have to click around, but this is the offical web site for free consumer credit reports.
2007-04-12 17:43:41 · answer #5 · answered by Gatsby216 7 · 0⤊ 0⤋
If you have SSN you can get a credit report. Try going to a local bank for help - banks have connections with credit reporting agencies.
2007-04-12 17:23:57 · answer #6 · answered by Infilia 3 · 0⤊ 1⤋
celest has the right answere. doesnt cost anything. takes some time but can be done. best is to get a report every 4 mos. say transunion in january experian in may etc.
2007-04-12 19:29:08 · answer #7 · answered by Anonymous · 0⤊ 0⤋
a credit card is not the only source for credit, you can go to freecreditreport.com.
2007-04-12 17:27:28 · answer #8 · answered by blondie 3 · 1⤊ 1⤋