Who Has Permissible Purpose To Access My Credit File?

Under the Fair Credit Reporting Act, a credit reporting company may only disclose your credit report if someone is:

  • Granting credit, reviewing your account, or collecting on your account
  • Reviewing you for employment purposes
  • Reviewing your application for insurance
  • Reviewing your eligibility for a license or government-related benefits
  • Providing information for a business transaction, such as renting an apartment
  • Has a court order
  • Has an IRS subpoena
  • Someone to whom you have given written permission