Could you be a victim of a solar panel scam?

widget 1

No Cost
Legal Review

Who can access my credit report?

Consumers must give permission for their credit report to be accessed.

The Fair Credit Reporting Act (FCRA) states acceptable reasons for a company to view your credit report. Any organization or individual who gets a copy of your report under false pretenses can be sued and subject to criminal prosecution. Simply having a good, compelling reason to obtain someone's credit report is not enough, unless it's stated in the FCRA.

The following list of organizations may have legitimate reason to access your credit report:

  • Insurance companies (at underwriting, not claims)
  • Landlords seeking a credit check for tenants
  • Credit card companies
  • Employers (only with full disclosure and your written consent)
  • Government licensing organizations (if required to check financial status)
  • State or local child support enforcement agencies
  • Government agencies (usually can only look at your name, address, former addresses, and current and past employers)
  • Companies or organizations with which you've initiated business

Any time your credit report is viewed by one of the above, a “hard inquiry” gets recorded on your report. Hard inquiries may lower your credit score.

Cary Flitter comments: Impermissible Access to Credit Reports

Has your Credit Report been Viewed Illegally?

Law Faculty
  • Temple University Law
  • Widener University | Delaware Law School
Bar Associations
  • Montgomery Bar Association
  • New Jersey State Bar Association
  • Pennsylvania Bar Association
Awards & Associations
  • Pennsylvania Legal Aid Network
  • Super Lawyers Since 2005
  • National Association of Consumer Advocates
  • Trial Lawyer's College