Credit Report Monitoring FAQ

Frequently Asked Questions about Credit Report Monitoring

Who can get access to my credit report?

Anyone with a "legitimate business need" can gain access to your credit report. This includes a very wide range of businesses. In most cases, they do not need your consent to get your credit report. Examples of types of companies that typically get access to your credit report are any creditors (such as credit card companies), lenders (such as mortgage lenders), employers and potential employers (but only with your consent), insurance companies, landlords, courts, those considering your application for a government license or benefit, state or local child support enforcement agencies, any government agency (limited usually to your name, address, former addresses, current and former employers), cell phone companies and utility companies.

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