Annualcreditreport.com is the government site that guarantees a free credit report once a year -- that's true. But if you want your credit score, you'll have to pay (and that's where you'll likely need a credit card).
Also, I have to disagree with Mister Mister. There absolutely ARE other sites out there where you can get a free credit report AND score without getting signed up for something you may not be interested in. Take Quizzle.com for example. Quizzle gives you a free credit report and score, and does not require Social Security Number, credit card or phone number. You will not be signed up for anything you don't want, you will not get spammed and no one will call you (unless you ask to be called). Don't take my word for it though, check out what others are saying by clicking the link below.
If you'd like to dispute something on your credit report, you can do this electronically or via snail mail. In Quizzle -- and this is probably similiar when you go directly to the credit bureaus as well -- you just click a dispute button, enter some contact information, the account(s) you'd like to dispute and why you're disputing it/them. Then, the credit bureau has 30 days to investigate. Hope this helps!
· 1 decade ago