Who can see my Equifax Credit Profile?
The Fair Credit Reporting Act (FCRA) outlines specifically who can see
your Equifax Credit Profile. Businesses must have a "legitimate business
need," and a "permissible purpose," as stated in the federal
law to obtain your credit file. Otherwise, only you, and only those who
you give written permission, can access your credit files. Your neighbors,
friends, co-workers, and even your family members cannot have access to
your Equifax Credit Profile unless you authorize it. Some examples of those
who can access your credit files are:
- Credit grantors
- Collection agencies
- Insurance companies
- Employers
Any company that receives a copy of your Equifax Credit Profile will
be listed under the "Inquiry" section of your report. If you
become aware that your credit files have been obtained outside the FCRA
guidelines, contact:
Equifax Consumer Disclosure Center
P.O. Box 740012
Atlanta, GA 30374-0012
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