Because credit reports contain sensitive personal information, access to them is limited. Credit bureaus can provide credit reports only to

• lenders from whom you are seeking credit;
• lenders that have granted you credit;
• telephone, cell phone, and utility companies that may provide services to you;
• your employer or prospective employer, but only if you agree;
• insurance companies that have issued or may issue an insurance policy for you;
• government agencies reviewing your financial status for government benefits; and
• anyone else with a legitimate business need for the information, such as a potential landlord or a bank at which you are opening a checking account.

Credit bureaus also furnish reports if required by court orders or federal grand jury subpoenas. Upon your written request, they will also issue your report to a third party.