Who Can View your Credit History

Your Personal Credit History can only be checked by  people or companies you authorize or the Government.  If you have not signed a Credit Check Authorization then no one is allowed to check your credit.

Your credit history is maintained by three different credit reporting agencies, Equifax, Experian, and TransUnion. These agencies collect and maintain information about your credit accounts and payment history, and they use this information to create a credit report. There are several groups of people who can view your credit history, including:

1. Lenders: Banks, credit card companies, and other lenders use your credit history to determine your creditworthiness and to decide whether to approve you for a loan or credit card.

2. Employers: Some employers may check your credit history as part of their screening process when you apply for a job.

3. Landlords: Landlords may check your credit history to decide whether to approve your application to rent a property.

4. Insurance companies: Some insurance companies may use your credit history to determine your insurance rates.

5. Collection agencies: If you fall behind on your payments, your account may be sent to a collection agency. They may check your credit history to locate you and to see if they can collect the debt.

6. Government agencies: In some cases, government agencies may check your credit history when you apply for certain benefits or services.