Hope everyone had a great weekend!!
You have rights in place to protect you and your credit, but if you don’t know what you have in your corner, it won’t do you much good. This week we’ll cover part of the Fair Credit Reporting Act (FCRA). You have the right to know the name of anyone who received your credit report in the last year for most purposes or in the last two years for employment purposes.
Why is this important? Well for one, you need to know why someone is looking at your credit. Anyone who looks at your credit report has to meet the “permissible purpose” standards set by the FCRA. Other than that, only you and those you give written permission to can access your credit report. Some examples of who can access your credit report are:
- Credit grantors, when you’re applying for new credit
- Collection agencies, if they need it to collect a debt
- Insurance companies, to underwrite insurance
- Employers, but only with your permission
Any company that receives a copy of your credit report will be listed under the inquiries section of your credit report. If your credit report has been obtained outside the FCRA guidelines, contact:
Equifax Information Services LLC
P.O. Box 105069
Atlanta, GA 30348
If you don’t know who has looked at your credit report, or are curious about anything on your credit report, you can obtain a free copy here!
Have a great week!