I was wondering just who can request your full credit report and do they have to pay to get your score just like we have to?How often are they allowed to get your report?.Who is allowed to add things onto your credit report?Do they have to pay?I am sure very few people know about the inside workings of how their credit report is handled.All this private information on you is being kept by a bunch of people who control your life and future.Imagine if you could get this kind of information on every person and company you had to deal with in life.Are the people who work for the 3 big agencies given background checks?I wonder how much identity theft is caused by sloppy handling of peoples credit reports.What is to stop people who are allowed to get your report from passing on this information about you to others?
Hence the statistics of 85% of all CRs having at least one error! As for "who" can "view", it starts with whomever you "authorize" to review your credit reports for a "full view". This is usually covered in an account and/or application agreement. This also includes employment, insurance, credit, and other applications. The government also reserves the right to review the full report also. Businesses who subscribe (pay) to the "Big 3" can also access your report for promotional inquiries. The prospect of offering you credit. Collection agencies also have the "right" to pull your report, but they are supposed to prove that they are indeed trying to collect on a debt. The real answer is that there are many abuses out there, if someone who works for a company that pulls credit reports, they generally have open access. They can also pull your scores along with them. Collection agencies are usuall not questioned for pulling reports either. The short answer is that credit reporting is a big business, and whoever will pay can get the report. Yes there are legal boundaries, and recourses, but usually it is too late, or the person never realizes it is happening. I am certan that there are abuses within the CRAs also. With the number of employees they have, there will definitely be a "statistical" few who will use their positions for private profit. All the more reason to monitor your reports, regardless of your history!
