Getting a free credit report online today sometimes requires a credit card. You might wonder why these free credit report sites need a credit card in the first place. And you’re right, you shouldn’t have to give your credit card for something that’s free!
Hi, my name is Ben. Today I will be providing you with the top 3 online free credit report sites that don’t need a credit card. If you’re asking yourself why these sites provide us with free credit reports without requiring a credit card. You’ll find all the reasons explained below and what you can do about it.
Credit Sesame
Credit Sesame is at the top of my list for sites that provide you with a free credit report without a credit card. They have been providing free credit reports and scores since 2010, and doesn’t need a credit card. Credit Sesame has gained a large amount of members compared to their rivals for many reasons. Unlike other credit report sites, they also provide you with the following free services along with your free account…
- Free Credit Report and Scores
- Free Credit Report Monitoring
- Identity Theft Protection
- $50,000 Fraud Insurance
- Account Access Via Mobile App
Most other credit report sites charge for these features, but not Credit Sesame. The option is available in case you don’t want to receive partner offers, by unsubscribing as well. You can expect to get credit card and loan offers that meet your financial situation. Some might consider it “junk mail”, while others will take advantage of the tailored offers.
You can sign up using their quick and easy online application that only takes 90 seconds. Credit Sesame provides all the benefits above and more. Completely Free, and let’s not forget the best part, without a credit card! Use the link below to read my Full Credit Sesame Review updated for 2017.
Credit Karma
Number 2 on the list of free online credit report sites without a credit card is Credit Karma. A familiar name, Credit Karma has been around for several years and I’m sure a few of us have seen their ads before. You can use the online application, which is fast and simple to fill out, or download the Mobile App. Credit Karma also provides a few features along with the free credit report. Such as…
- Free Credit Report Monitoring
- Direct Dispute ™
- “Find money that’s owed to you”
- Mobile App Account Access
After signing up, you will notice plenty of advertisements on their site, via email as well as the mobile app. That’s because Credit Karma shares your information with their “partners”. This allows them to be able to provide us with free credit reports without a credit card. Credit Karma doesn’t provide as many extra features compared to what Credit Sesame offers. Still, Credit Karma made it 2nd on my top 3 free online credit report sites without a credit card list.
Nav Personal and Small Business Credit Report
Finally, I want to mention a rarely used free credit report site that also doesn’t need a CC, that site is Nav. You may have never heard of Nav before. That’s because they used to operate by the name “Creditera” a few years ago. Nav focuses on small business credit reports and scores. But they also provide personal credit reports for free.
They claim their online application only takes 60 seconds. After trying it out myself, I found that to be very close, if you’re able to fill it in fast enough. And in case you don’t own a small business, you can leave that field “blank” and continue to see your free personal credit report. You will also notice on their site: “Nav doesn’t sell your information for marketing purposes“. That doesn’t mean they won’t share it with their partners for free though.
Conclusion
So, there you have it. My top 3 online sites that give you your credit report free and without a credit card. With Credit Sesame my number 1 site to use for the extra services they provide and user friendly site. Keep in mind all these sites are able to keep their services free to us, by sharing our information with their “partners”. Credit Sesame gives you the choice of receiving these offers or not – when signing up.
Would you like to see other free credit reporting site added to the list and reviewed? Leave your comments below and let us know. I will review and add any credit report site that is truly free and doesn’t require a credit card. Check out our other articles for the Top Paid Credit Report Sites.
