Who Can Access My Report?

Anyone who can offer just cause can access your report IF they have a permissible purpose.

• landlords, utility companies, phone companies
• hospitals, doctors, dentists, insurance companies—if you are paying on credit
• finance companies, credit unions, banks
• retailers, department stores, credit card companies
• car dealers, mortgagors—if you are applying for credit
• anyone who can offer just cause and/or has access as a member of a credit reporting agency