Consumers can obtain free credit reports without having a credit card, according to the Federal Trade Commission. The national credit reporting agencies - Equifax, Experian, and TransUnion - do not ask for a credit card when an individual requests a free credit report.
To obtain a free credit report, a consumer can access AnnualCreditReports.com or contact each of the credit reporting agencies directly, notes the FTC. An individual can receive one free credit report from each credit reporting agency once every 12 months.
Other websites do not have authorization to provide free credit reports, warns the FTC. These impostor websites often require consumers to provide a credit card number when requesting a free credit report.