Who May Check My Credit Report?



Federal Law carefully regulates how credit reports can be used and by whom. Individuals have the right to obtain their own reports, and businesses must meet the following requirements before they can access credit information: 

 

  • A background Proof of a permissible purpose under federal law
  • Check and on-site inspection of the business
  • A current business license
  • A signed contract requiring the business to use the data properly


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