Why does freecreditreport.com ask for a credit card number?

Question

I'm trying to obtain my score so I can GET a credit card. Don't they understand that? I could use my debit card when I receive it in the mail...I just don't understand.

Answer 1

Because it isn't actually free.  Quite misleading, huh?

You can check your credit report with the actual credit bureaus instead of going through a 3rd party.  You're entitled to at least 1 free credit report from each bureau, once a year.

Equifax.com

Transunion.com

Experian.com

Be careful who you give you social security number to-- I suggest going straight through the bureau instead of using the annual credit report website.

Answer 2

That site is just a catch all (they throw out the hook and catch you).

You need to go to the only free site endorsed by by the FTC.  Here is there link and it is free (credit scores are not!)

https://www.annualcreditreport.com/cra/i...

Remember, you can only get your report free once a year.  If you have not recieved one in over  a year you can use either annualcreditreport.com or contact the CRA's directly.

Here is there info

Equifax-800-685-1111

www.equifax.com

Experian-888-EXPERIAN (888-397-3742)

www.experian.com

TransUnion-800-916-8800

www.transunion.com

As to your needing your credit score to get a credit card, that makes no sense.  The credit card company will get your score when they process your request.

BUT REMEMBER THIS:  Credit scores ARE NOT FREE, you have to pay for them no matter where you go.

Hope this answers your question

Answer 3

Because it's a pay service.  You want www.annualcreditreport.com which is free once a year.  No CC required. Just have to answer some questions to confirm your identity. freecreditreport is deceiving.  Yes you will get a free credit report but it's actually a credit monitoring service which is a monthly fee. You must agree to get the other.

EDIT- I would take the other answerers advice then and go straight to the bureaus to get a report. Start with Equifax.  Something is wrong here.