Who can get your credit report?
Federal law says who can get your credit report. If you’re applying for a loan, credit card, insurance, car lease, or an apartment, those businesses can order a copy of your report, which helps in making credit decisions. A current or prospective employer can get a copy of your credit report — but only if you agree to it in writing.
Do businesses check your credit report?
Here are some of the businesses that you can expect to check your credit report. If you already have a credit card or loan, your creditor might check your credit report to decide whether to keep your account terms the same or to change them.
When should you check your credit report?
That said, your credit can be checked in many situations — when you apply for a loan or credit card, a job, utilities, student loans and more. Monitoring your own credit helps you watch out for trouble and build your profile.