: Banks, credit card companies, and mortgage lenders check your report when you apply for new credit.
: Prospective employers may check your report, but they typically require your written consent first.
While you have the primary right to your data, other entities can access your credit file under specific circumstances:
Accessing your credit report is a fundamental step in managing your financial health. Under the , you have the right to review the information that credit bureaus collect about your financial history. How to Get Your Free Credit Report
: Utility companies, insurance providers, and landlords may review your report to assess risk.
You are entitled to a from each of the three major nationwide credit reporting companies: Equifax, Experian, and TransUnion.