Question

Why is it necessary to provide credit card information to access a free credit report?

Answer 1

You are entitled to a free credit report once a year. You should also be entitled to a free credit report if you were declined by a company when they checked your background.

Answer 2

try this

Answer 3

Online. . Under the FACT Act amendments to the Fair Credit Reporting Act you are entitled to one free credit file disclosure in a 12 month period. To request this free annual disclosure you may contact the Central Source on-line at www.annualcreditreport.com. You can also contact the Central Source to request this free annual disclosure by calling toll free (877) FACTACT or by using the mail request form available at the central source website by clicking the following link www.annualcreditreport.com.. . . depends of the state. . Equifax.com Provides FREE Credit Report, but you have to reside at certain states... If you live in one of the following states, you are entitled to receive a free credit report by mail.. . Colorado . Georgia (2 per year) . Maine . Maryland . Massachusetts . New Jersey . Vermont . If you currently reside in one of these states, you may order your free credit report by calling 1-800-685-1111. All other states are required to pay the $10.00 fee with the exception of Connecticut - $5, Minnesota - $3; California - $8, and Montana - $8.50.. . Additionally, if you meet one of the FCRA requirements below, you are entitled to one free credit report via U.S. mail.

Answer 4

https://www.annualcreditreport.com/cra/index.jsp. . This is the government sponsored site which gives your three reports for free each year.

Answer 5

If you are in the United States you can now get one free copy of your credit report from Trans Union, Equifax, and Experian FREE each year. The website is www.annualcreditreport.com. This website was rolled out to all fifty states in phases/stages. I believe since September 2005 its now available in all fifty states. I got mine last September. You will have to proivde some personal information on the website, how else would they know that its not you and some one else trying to steal your identity.

Answer 6

Because they're not free. They want you to sign up for a service to monitor your credit. Each credit bureau is required to give you one free credit report a year. You have to get a hold of them to get it. NOT the "free" credit agencies.. . https://www.annualcreditreport.com/cra/index.jsp

Answer 7

Nothin is free anymore.. however, if you give a creditor permission to your credit report- by law they have to give you a copy... there's your free copy- but the catch- it looks bad on your credit report if too many creditors are looking at it..

Answer 8

no such thing as a free lunch

Answer 9

Because in order to get "free credit report" you have to sign up. You'll get your initial report and then you'll be charged to join a group. According to the laws you get one free report a year and have to pay for the rest, which really sucks because it's YOUR info and you shouldn't have to pay for it. By the way did you know that every time someone checks your credit it knocks down your credit score a little?

Answer 10

Here they are free once a year: https://www.annualcreditreport.com/cra/index.jsp