For More information go to First let me say that anybody involved with credit and finances generally speaking can probably look at your credit report. Obviously credit card issuers and lenders can look at it, for that matter they’re the ones reporting the information to it. The fair credit reporting act as well as state credit laws restrict exactly who can access your credit report and how it can be used.
I’m going to give a caveat here that this does not necessarily help your credit score or your credit reports, and normally that’s the sort of thing I talk about, however if someone have requested your report illegally and one of the big three has actually gone and provided it to them you might be able to sue for a violation of the FCRA. For that you’re going to have to talk to an attorney. And by the way if that happens you should also be filing reports with the consumer financial protection Bureau, as well as your Atty. Gen.’s office.
Of course it goes without saying that any sort of creditor or potential lender whether it be an auto lender or mortgage company or credit card company can review your report when you apply for credit. These businesses also monitor your credit once they have given you a loan or credit card. Now that being said, there are a few restrictions. For example, you have to initiate a credit transaction before the creditor can legally look at your report.
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