how do i get my credit history? how do i get my credit score off the internet without having a credit card>?
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Annualcreditreport.com was initially set up by the government, because they just started requiring each of the 3 credit bureaus to allow you to access your credit report for free once a year.  If you go to annualcreditreport.com it will never ask you for your credit card to give you your credit history.  However they do offer you your credit score, but you have to pay for that.  There is no place that you can get your credit score for free.
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You can start by getting a free credit report by going to AnnualCreditReport.com, the government's response to credit and identity theft. It will direct you to chose one of the three major reporting agencies to get your current report. You will have to pay for your credit score, however.\n\nTo find a credit card that might issue you at least a minimum limit card of say $500, try ConsumerCredit.com, a website of American Consumer Credit Counseling, which offers free services. It is a clearing house for consumer complaints and rates credit cards, and might work with you to get one.\n\nOtherwise, you'll just have to fill out credit issuers' applications and wait to see if they approve you, one by one.
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Best bet is to order a credit report. This way not only do you get information about the old credit card account you are able to get an up to date account of your entire credit history.\n\nHere is some information on how to get your credit report:\n\nQ: How do I order my free report?\n\nA: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.\n\nTo order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.\n\nYou may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.\n\nA Warning About “Imposter” Websites\nOnly one website is authorized to fill orders for the free annual credit report you are entitled to under law – annualcreditreport.com. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.\n\nSome “imposter” sites use terms like “free report” in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.\n\nannualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. It’s probably a scam. Forward any such email to the FTC at spam@uce.gov.\n\nQ: What information do I need to provide to get my free report?\n\nA: You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.\n\nQ: How long does it take to get my report after I order it?\n\nA: If you request your report online at annualcreditreport.com, you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt.\n\nWhether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide consumer reporting comp
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Anyone can get their own credit report for free in Canada.  They charge you for the copy online but you can get it for free by the mail.  I think it's law that you can get a copy for free.  The links below will help you.  Good luck.\n\nTry Equifax:\nIf you would like to obtain a copy of your credit report immediately, for a fee, you can receive real-time on-line access to your personal credit report, credit score and a full explanation of your score and how lenders view your credit history. Simply log on to Equifax Consumer Services Canada at https://www.econsumer.equifax.ca/ca/main?lang=en. \n\nTo obtain a free copy of your credit report by mail, go to Your Credit Report and download the credit report request form. \n\n\nAnother company is TransUnion Credit:\n\nHow can I receive a copy of my TransUnion credit report?\nYou have two options for requesting a copy of your TransUnion credit report. \n\nOption One \n\nImmediate access via our online service for a fee of $14.99 (APPLICABLE TAXES ARE INCLUDED).  This service will provide you with a copy of your credit report and a credit bureau score. \n\nOption Two \nMailing your request to our Consumer Relations Department and receiving your file, free of charge via Canada Post.
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here's some free articles to get you going:\nhttp://credit-cards.ebookorama.com\nhttp://finance.ebookorama.com \nhttp://credit.ebookorama.com\nhttp://credit-repair.ebookorama.com
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AnnualCreditReport.com\n\nYou are entitled to a copy of your credit report once/year\n\nyou can obtain your actual FICO score at  www.myfico.com
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There two situation when entities can check your credit score:\n\n1. When applying for service with a compny / bank etc.\n2. When the banks / companies buy your personal information and credit score from the credit bureaus.\nBy law(Federal Credit Reporting Act), you can opt-up, that is choose not to have the credit reporting agencies share your personal information with banks and lenders (so that you don't receive credit card offers for example).\n\n\nHope that was useful.
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you could go to Annualcreditreport.com. The gov does allow you to see your credit score annually but there is NO place that gives you the score for free. I think on this site it cost 5 bucks or something. When you choose a credit reporting company don t go with Experian cause they are a bunch of dumb a*sses!\n\nGood luck!
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BE CAREFUL. Many of the sites that offer to give you a free view of your credit rating, are actually using you to get a copy of your credit rating which they use for their own purposes.\n\nYou are entitled to see your credit rating for free under the law http://www.annualcreditreport.com/\n\nYou do not need to share it with third parties such as www-freecreditreport-com To give you an example of how sleazy they are, on their site they show a link to http://www.annualcreditreport.com/ but if you look at where it goes *before* you click it, you'll see that it actually takes you to freecreditreport-com because they still want to spy on you.\n\nI wouldn't be surprised if they posted this question themselves just to run an AD! but i have no knowledge of it if they do.
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You can get your official score from each of the 3 reporting companies. These companies have set up a 1-800 number where you can ask to recieve one over the phone.\n\nDo not trust any free credit report sites except those officially authorized by the Federal Trade Commission which include the 3 main companies that compile your credit score (Equifax, Experian, and TransUnion). My source includes official government information regarding free credit reports and how to get one. It doesn't make sense to trust other credit reporting sites when you can get information officially from those that actually compile your credit score.\n\n"The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months."
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annualcreditreport.com\n\nIt allows you to get a copy of your credit report from all three major credit reporting agencies once a year.  You'll be able to see everything that's on your credit report, good and bad, and who's been looking at it, etc... but if you want your actual credit score you have to pay for it (usually about 5 bucks).
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Everyone is entitled to a free credit report annually by each of the three credit reporting agencies: Equifax, Experian and TransUnion.  You will not get a score (This you can actually purchase for the price mentioned in the previous answer).  You can get your credit report at http://www.annualcreditreport.com\n\nYou could also go to http://www.freecreditreport.com however, that site is actually run by one of the credit agencies (Experian) and I understand that even though you can get your actual credit score (FICO) that way, you are actually signing up for a service where you pay $12.95/month and MUST cancel within 30 days-the trial period to avoid being billed.\n\nYou will need a credit card using that service however.\n\nKeep in mind that you can go into some banks and purchase a prepaid (pre-loaded) credit card (Visa or Mastercard) for $50 or $100 and use this card online, but there is a pretty hefty (for some) fee of $10-$15.  \n\nGood luck\n\nZZ
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You can get your official score from each of the 3 reporting companies. \n\nDo not trust any free credit report sites except those officially authorized by the Federal Trade Commission which include the 3 main companies that compile your credit score (Equifax, Experian, and TransUnion). My source includes official government information regarding free credit reports and how to get one. It doesn't make sense to trust other credit reporting sites when you can get information officially from those that actually compile your credit score.\n\n"The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months."
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Each credit agency can provide you with one free credit report per year.  Just go to one of their websites and there's usually a link on the main page that takes you to the request page.  You can either see the reports online and print them out, or if you want the report mailed then you have to print out a request form and mail it out.  The three major credit bureaus are Experian, Equifax, and Transunion.  (Their websites are their names).
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The closest that you will come is www.billmelater.com. But as you stated, they will check your credit.
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Stop using your credit cards.\n\n \n\n“People change their lives only when they say, ‘I’ve had it!’” – Les Brown\n\n \n\nThink you can’t exist in the 21st century without credit?  Do you have at least one credit card?  Did you sign up just for the bonus miles or cash back?  Sounds like it’s time for you to perform a plasectomy.  (That’s what Dave calls cutting up your credit card.)  You’ve heard all the lies, now here are a few facts about credit.\n\n \n\nMyth: No on can live without credit cards.\n\nFact: Actually, 24% of American households are getting by just fine without any type of credit according to a Federal Reserve survey of consumer finances.  Try using your debit card or cash instead.  If millions of Americans can live without credit, so can you!\n\n \n\nMyth: Credit cards help me get airline miles, cash back and other discounts.\n\nFact: Yeah, credit cards also help you get into debt.  Consumer Reports say that only 25% of airline miles are ever redeemed – and credit card companies know it.  Earning a few airline miles is not worth thousands of dollars in debt.  \n\n \n\nMyth: I can just pay off the balance at the end of every month.\n\nFact: You’ll be in the minority.  According to CardWeb.com, only 40% of credit card users pay off their balance when they receive the bill.  Plus, overspending is inevitable when you use a credit card.  It’s just easier to swipe a piece of plastic than it is to flash the cash.\n\n \n\nMyth: “Ninety days same as cash” is the smart way to buy.\n\nFact: “Ninety days same as cash” is a scam.  Retailers know that most consumers won’t pay their balance in 90 days, which means you get stuck with outrageous interest rates and back charges to boot.\n\n \n\nMyth: I’m required to have a credit card to buy a house.\n\nFact: Several quality mortgage companies provide underwriting which allows you to purchase a home without a credit card.  If your mortgage lender requires a credit card for your home loan, run – don’t walk – to a lender who will actually help you achieve freedom from credit.
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Freecreditreport does NOT give out free credit reports or scores.  You would have to sign up for their service, get your report, then cancel their service.  If you want to play that game, that's up to you.  But also note that they do not give you a "FICO" score, but a differant scoring method.  \n\nCredit Reporting Agencies are not required to give out free credit scores like they are with credit reports.\n\nIf you really want one, I strongly suggest you go to http://www.myfico.com and pay for it there. This is the site of the folks who actually developed the scoring system.  They also give you a rundown on what exactly is wrong with your score and how you can improve it.