Who Has The Right To Access Your Credit Reports? - The Credit Pros

The article discusses the circumstances under which credit reporting agencies (CRAs) can legally disclose your credit report, as regulated by the Fair Credit Reporting Act (FCRA). It covers permissible purposes including court orders, personal access, credit transactions, employment, insurance underwriting, account management, collections, child support determinations, and pre-screening by companies. The article also explains consumer disclosures, where CRAs must inform you of inquiries into your credit report, which stay on your report for 6-24 months.