Free Credit Report Without a Credit Card


If you’re looking for a free copy of your credit report without providing your credit card details, then you’ve come to the right place! We’ve got all of the information on free credit reports, where to get your credit report and whether or not you need to provide your credit card details to receive it.

There are 3 credit reference agencies in the UK. Any true credit report will be based on the information that has been collated by these credit reference agencies. These 3 credit reference agencies are Equifax, Experian and Callcredit.

In order to order a credit report from any of the 3 main credit reference agencies, you will be required to provide card details (either a credit card, or a debit card). Despite having to provide your credit card details, you can still get your credit report for free with Experian or Equifax. If you have a credit or debit card available, we wholly recommend that you order your credit reports from these providers.

There are very good reasons for credit reference agencies asking for you to provide your credit card details to them:

• The free credit report services that are provided by Experian and Equifax are free trials to credit monitoring services. You have 30 days in which to try out the free credit report services with these agencies. If you like the service (and don’t cancel it within the 30 days), then you automatically become subscribed to Experian and Equifax services. When entering the subscription stage, the service becomes chargeable and is billed to your credit card or debit card.

• Credit cards and debit cards are very good methods of proving your identity. Proving a persons identity online without card details being provided can become cumbersome. This means that a greater range of identity information would need to be provided in order to verify those personal details.

The identity verification process is required as it is illegal to provide anyone with a credit report other than their own. The exception to this rule is where the person in question has granted express permission for someone to view their personal credit report. This law has been made in order to prevent identity fraud, which has become ever more prominent in today's society, whilst still allowing creditors to credit check individuals. After all, we're sure that we'd all rather have our credit records protected from fraudsters, than allow them free access to our credit reports by not making them provide some sort of identification online. Wouldn't we?

Although the market leading credit reference agencies (Equifax and Experian) provide free credit reports that require bank card information, Callcredit do not currently offer a free credit report service.

If you don’t have any sort of bank card, credit card or debit card available, you can still get a free copy of your credit report. However, the weaknesses of the free credit report without a credit card are:

• You won’t get the free credit report instantly online without your credit / debit card information.
• You will need to wait 3-5 days for a postal verification code to arrive at your address.
• You will be required to provide further identification reference information.
• Your credit report is compiled using information from Callcredit who are the credit reference agency with the least coverage of data from credit providers (credit card operators, banks, telecoms operators, mortgage providers etc.).
• Your personal details can become part of a marketing list, which cause you to receive regular contact (at all times of the night and day) for various credit related services. Adding your details to a purchasable marketing list and emailing you with product offers is the way they make their money.

If you’re solely after a free credit report without credit card details, or debit card details and have given full consideration to the weaknesses listed above, then you will need to visit www.annualcreditreport.co.uk. It is worth noting that they do also offer a free instant credit report (using Callcredit information). However, in order to receive the instant online credit report for free, you will need to provide credit card, or debit card details.

Every credit reference agency is likely to hold different credit data on you. Our recommendation is to check the credit reports with all 3 of the credit reference agencies (Equifax, Experian & Callcredit). This is the only true way to ensure that you have a clean credit record.

Use these links if you would like to access a free copy of your credit report. Obtain a Free Equifax Credit Report, or get your Free Experian Credit Report

Order a Free Equifax Credit Report Online Now

Want to order a personal credit report: Use the links below to place your order with Experian & Equifax:

Experian Credit Report FREE CreditExpert Credit Report From Experian. Order Free Experian Report!

Equifax UK Credit Report Your FREE Equifax Credit Report when you sign up to Credit Watch Gold Monitoring: Order Equifax Credit Watch Gold!

The Credit Agency LEARN more about Credit Reports, the way lenders use them and how to Improve Your Credit Score: Personal Credit Report Articles !