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Who Gets Your Credit Report

Under the Fair Credit Reporting Act, a credit report may be obtained only:

  • When authorized by the consumer in writing.
  • When there is a legitimate business need in connection with a business transaction initiated by a consumer.
  • When a consumer applies for credit.
  • For the review or collection of a consumer’s account.
  • To review a consumer’s account to determine whether the consumer still meets the terms of the account.
  • For making “prescreened” offers of credit.
  • For portfolio analysis of existing credit obligations.
  • For employment purposes, including hiring and promotion decisions, when the consumer has given written permission.
  • For underwriting insurance when a consumer has applied.
  • For use by state and local officials in connection with determination of child support payments.
  • To determine a consumer’s eligibility for a government license or other benefit when the law requires consideration of the consumer’s financial responsibility.
  • When ordered by a court or federal grand jury subpoena.

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