Improper Use of Your Credit Report
The Fair Credit Reporting Act (FCRA) allows individuals and businesses to pull your credit report only for purposes permissible under the law. Any individual or business that pulls your credit report for an impermissible purpose likely is violating the law and may be liable to you for damages under the FCRA.
To learn who may access your credit report and how they can use your credit report, continue reading this page. If you need help, or if you believe your rights were violated, contact BCJ Law for help. To speak with our credit report attorney, call 1-800-997-5561 or complete our contact form.
When can people access my credit report?
Here are some of the permissible purposes for which individuals and business can access your credit report:
When can't people access my credit report?
Companies can’t pull your credit report if they don’t have a permissible purpose to do so under the law. Impermissible use of a credit report may entitle you to damages. Here are examples of impermissible uses of credit reports:
How can I find out who used my credit report?
You’ll often get some type of notice, either directly or indirectly, if someone is pulling or using your credit report. You also can pull a copy of your credit report and look under the “inquires” section to see who has been using you credit report. To learn how to get a free copy of your credit report, visit our get your report for free page. If you find an error on your credit report, visit our dispute credit report errors page.
What can I do if I think my credit report was used improperly?
If you believe your credit report was pulled for an impermissible purpose, you may be entitled to damages under the Fair Credit Reporting Act (FCRA).