Where can I get a free credit report not using a credit card?

AnnualCreditReport.com

You are entitled to a copy of your credit report once/year

you can obtain your actual FICO score at www.myfico.com

Where can I get a free credit report not using a credit card?

You can get a copy of your credit report from annualcreditreport.com You can see what your balances are and keep track of it. If there is an error on your report, you can dispute the item and they can correct it for you. That is where I got my credit report and with Experian, you can get your free credit report and free credit score. I was nervous thinking that I had bad credit because of the fact that I was 30 days late for one time, but when I saw my credit report and seen my credit score with Experian, I felt so much better. It turns out that I have a good score which means that I have good credit. Not everyone is perfect but annualcreditreport.com would help you manage your credit and build it back up.

Where can I get a free credit report not using a credit card?

AnnualCreditReport.com

It is free. You can see your report on all 3 companies:

Equifax

Transunion

Experian