If you’ve ever tried one of those “free” credit report sites like freecreditreports.com, you know that it’s not *really* free. Actually, it’s a free trial period that automatically signs you up for a monthly fee after that and you have to have a credit card to sign up for it. AND you have to provide your social security number.

Well, I’ve found a site that actually provides a truly free credit report! I did it myself, so I know it’s true. It’s a free service, it does NOT require a credit card and in most cases, you don’t even have to put your social security number in either!

The site is www.Quizzle.com. You fill out a little web form and it sends you an email confirmation. You click on the link in that email and you end up back on the Quizzle site with a bit more extensive questionnaire – nothing too major, just 30 seconds to fill it out. Here’s the thing thing to know – you only have a couple of minutes to fill it out once you get to the questionnaire part. If you happen to click away to another screen and don’t notice that (like I did), your time will expire and then you have to call them to verify your identification.

But as long as you fill it out within the allotted time – and there’s a little timer at the top to tell you – it will then pull a free credit report and show it to you! No muss, no fuss, no credit cards, no subscriptions that you have to cancel. It will remind you every six months when you have another free one available.

Of course, they have some upgrades available – get an update on your credit report at any time for $7.00 (still pretty cheap) if you don’t want to wait 6 months and that sort of thing, but it’s a much better deal than I’ve found anywhere else. I HATE those auto-subscription things.