how do i find out what my credit score is without having a credit or debt card?
475324
If you have never had a loan or credit card you would have no credit. All three credit reporting agencies give one free credit report a year. (Experian, Equifax, Transunion)\nOr there are sites where you can purchase all three at once for about $30.00-40.00. Just be careful of the site. make sure it is secure. (Lock symbol on the bottom, https instead of just http) Wal-mart sells credit reports online.\nHowever you need a credit or debit card to buy online usually.
157750
Get a credit report....If it is not on it , it was probably paid off
274735
Look, first of all you needn't give out credit card number to get credit scores of credit report. It's availbale for free on the interenet and also you may request directly from the creidt bureaus. And let me tell you that if your daughter has got a score of 726,its wonderful becuase she has an excellent credit.I'm a loan officer myself and a person having a score of 726-I can qualify her for any kind of loan she wants.\n\nBut anyways let me give you the contact info of the credit bureaus from whom you may request copy of the credit report.\nEQUIFAX INFORMATION SERVICES   (EFX)\n800 685-1111\nP.O. BOX 740241\nATLANTA, GA  30374\n\nEXPERIAN  (XPN)\n888 397-3742\nP.O. BOX 2002\nALLEN, TX  75013\n\nTRANS UNION  (TUC)\n800 916-8800\nP.O. BOX 34012\nFULLERTON, CA  92834
887505
yes absolutely. a credit report doesn't have anything to do with a credit card, although once you get a credit card it will track your usage of the card. just go to freecreditreport.com. all you need is your social security number and other basic info.
913281
http://www.annualcreditreport.com\n\nThis is the government mandated site where you can get a FREE credit report in a year. This is a totally free site and they will not even ask for your credit card number. They will also not dangle a carrot to you that you get a free credit report only if you pay for their credit maintenance or something. Just free.
37038
The average credit score is 695.  Actually, the highest you can have is 800.  To help increase your credit score, pay down bad debt such as credit cards to at least the half way point.  Make sure you don't have too many accounts open, late payments, etc.\n\nYou can also open more accounts if you don't have a credit history.  Show that you can make payments ... more than the minimum but not the whole amount for a period of time.\n\nYou can also take out a personal loan (small) and pay it back on time and that will help increase your credit score.\n\nYou want a good average score to help keep down the interests on credit cards and loans.
268242
any credit agency...get a credit check..
184798
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."
984173
Sounds like a prepaid credit card may be the way for you to go... \n\nHere is a link to one that says "No credit or bad credit OK, NO credit check required, No employment required"\n\nhttp://www.fastcreditcardoffer.com/credit-card-search/credit-rating/bad-credit-no-credit/default.aspx\n\nGood luck.\n\n.
176590
Get a copy of your credit report through equifax. This report is free once a year.
418233
You can request a copy of your credit report once a year including your "credit score", but you must ask for it. Supposedly you can get them from www.freecreditreport.com. I don't recall, but I believe when I checked into it for myself they wanted to charge a $1.00 fee to a credit card for the service and later they would refund it if I could proove that it was my first request for that year. Their web site was a pain to navigate about 6-8 months ago...Maybe they fixed it by now?\n\nOtherwise for free if you are ever turned down for any credit line or credit card, contact the three main credit reporting agencies (that I will list below). They will be happy to send you a free once yearly report, but you will most likely have to pay a modest fee, (about $7.95 or so), to get a request for your optional credit score. \n\nWhat is your credit score? It is called a F.I.C.O. (Sorry I forget what it stands for exactly), score and lists your overall credit worthiness. The credit reporting sites below will have more info on this also. The scores are like 320 for poor credit worthiness, on up to 800 for very good credit. Basically a numerical scale rating how good you are at paying your debts on time and such.
842620
I'm sorry to tell Renee that there is only one site that is absolutely free:  AnnualCreditReport.com.  It's the ONLY government approved site to get your free credit report from each of the bureaus.\nThey don't ask for your credit card # and does not require you to sign up for any services.  If you want your credit score, you will have to pay for that.\nIf you find any other site that offers a 'free credit report' ignore them.
185160
As mentioned above, go to www.annualcreditreport.com.\n\nThis site was set up last year in response to a new law that forces the 3 credit agencies to supply you with a FREE yearly credit report.  It's fairly automated and easy to use.\n\nYou can either download your reports and view/print them while on-line, or get info on calling a toll-free number or mailing for them.  \n\nEither way, it's free and easy.  Go to the link and get more info.
907416
go to annualcreditreport.com
407152
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!
362145
As Studly said there is no place where you can get your FICO credit score for free. \n\nThe ONLY place to get your FICO credit scores for all 3 of your credit files is at www.myfico.com/12. It will cost you $45.00 but give you all 3 of your FICO scores (the one lenders use) plus the top 4 reasons your score isn't higher which will give you a game plan. While you are there check out the Credit Education section. It will tell you exactly how credit scores are calculated. Equifax sells a FICO credit score for $7.95 but that is only one credit bureau.\n\nBut before you spend any money go to www.annualcreditreport.com and get copies of your 3 credit files free.
799898
Analyze credit \n\nlook: http://www.expert-credit-advice.com/request_analysis.htm