Who has access to your Credit Report?

Who has access to your credit report?

There are many circumstances where you and others may legally access your credit report. If a credit grantor, employer, or other entity accesses your credit report, they must provide a disclosure to you that they are doing so.

If they take action because of what they find on your credit report (e.g., if you are denied credit, or if your insurance company charges you a higher rate) they must let you know and you are legally entitled to a free copy of the credit report they used to make their decision.