Who can view my credit report? Creditors
Credit card issuers, lenders and other companies to which you have applied for credit may review your report to help make their credit decision. They can also access your report to monitor your credit throughout the duration of the loan. Financial institutions can review your report to prescreen you for credit card offers or other products. You can opt-out of prescreening by calling 1-888-5-OPTOUT or going to www.OptOutPrescreen.com. Companies and landlords Companies where you seek employment, landlords and utility companies can make a soft inquiry on your report. You You’re allowed to pull your own credit report for free once a year from each of the three major credit bureaus. You can do this easily through the government-mandated website: www.annualcreditreport.com.
Chapter 2: Credit reports
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