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Can anyone get a copy of my credit file from a credit reporting agency (credit bureau)?

April 26, 2017agency copy credit Credit bureau file

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Can anyone get a copy of my credit file from a credit reporting agency (credit bureau)?

2 Answers

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A. No. Only a legitimate business can get a copy of your file, if they have your permission in writing. But they also must be a member of that credit reporting agency (credit bureau).

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A. No. The number of permissible purposes in the Fair Credit Reporting Act for which a company may obtain a credit report on an individual is limited. In most instances, reports are obtained by lenders from whom the consumer has applied, for example, for a credit card, auto loan or mortgage.