Who Sees Your Credit Report - CREDIT REPORT

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CREDIT REPORT: Who sees your credit report


Are your credit reports available to anyone who asks? Certainly they are not. Under section 604 of the Fair Credit Reporting Act (FCRA), access to your credit reports is limited to specific situations, which are referred to as "permissible purposes." They are:

  1. In response to a court order
  2. For the purposes of disclosure to the consumer
  3. As part of a legitimate business transaction which includes extending credit, reviewing the credit report of an existing customer, and collecting a debt
  4. For employment screening purposes
  5. As part of the insurance underwriting process
  6. In connection with screening requirements of a consumer’s eligibility for a license granted by the government
  7. In response to a request by state or local child support enforcement authorities to determine an individual’s capacity to pay child support
  8. To determine the risk and valuation of loans for the purposes of investing or servicing

ADDITIONAL CREDIT REPORT RELATED FACTS

What Should I Do If I Am Denied Credit Because Of Something In My Credit Report?What Should I Do If I Am Denied Credit Because Of Something In My Credit Report?
How Can I Improve My Credit Information If I Have Been Adversely Affected?How Can I Improve My Credit Information If I Have Been Adversely Affected?
What Should You Do If You Are Denied Credit Because Of Something In Your Credit Report?What Should You Do If You Are Denied Credit Because Of Something In Your Credit Report?
Who Can Legally Look At My Credit Report?Who Can Legally Look At My Credit Report?
Correcting Errors In Your Credit ReportCorrecting Errors In Your Credit Report
What If I Find Incorrect Information On My Credit Report?What If I Find Incorrect Information On My Credit Report?
How Does Information About Me Get Into My Credit Report? How Does Information About Me Get Into My Credit Report?
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