subject: Do You Get A Credit Report Without A Credit Card? [print this page] Who says you need a credit report to have your very own credit report? Generally speaking, a credit report would contain financial details about the cardholder; this would be in terms of credit habits, spending habits, debts incurred, and payments made. Obviously, this entails the existence of a credit card as well as a credit account, right? Not necessarily.
Credit reports do not just contain credit information at all. For every loan you took out, may this be a car loan or a house loan as well as mortgages, significant details would then be included in your "credit report". Moreover, as long as you have active loans and mortgages, then you will have this "financial report", so to speak. Understandably, you would want access to your financial standing - primarily, to get a better gauge of your finances and where your money goes so that you can plot a better and more cost-efficient budget. How then can you do this?
If you think about it, why do credit report sites providing free access to credit reports require the existence of the cards themselves? Its main purpose is for the sites to ensure that it is indeed you requesting access to your credit report. This is commendable, knowing how suave and innovative identity thefts can be these days.
To access your financial report without having any credit card or debit card, all you need to do is register with a particular company that allows you to give proof of your identity via another method. The usual method required by such companies would be by post. As soon as you complete your registration with the company of your choice, you will then be sent a unique code by mail or post. Upon receiving it, you can then use the code to sign into your own account. This would then be the method wherein you can prove that you are indeed who you claim to be and that the financial report you are asking for should indeed be given to you. The great thing about this is that the whole process would take just a few days. Some customers even say that it takes just as short as two days!
The only problem here is the assurance that the company you register with is indeed a legit and reliable one. Thus, before you invest in any such company, make sure to do extensive research so that you can say for yourself that this is indeed worth the investment.
