Who can get a copy of my credit report?

by Pamela Stewart, Attorney at Law

Only people with a legitimate business need, as specified by the Fair Credit Reporting Act, can look at you report without your permission.  For example, if you apply for credit, insurance, employment, or to rent an apartment, the company is allowed to obtain your report.

A Consumer Reporting Agency (CRA) is not allowed to give information about you to your employer or a  prospective employer, without your consent, unless you are being investigated for suspected misconduct, compliance with federal, state or local laws, or preexisting written policies of your employer.

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