Finding out someone else’s credit score

card2 Finding out someone elses credit scoreFor a number of legal and privacy reasons, an individual cannot get a copy of another person’s credit report without permission. The federal Fair Credit Reporting Act (FCRA) specifies under what circumstances a credit report can be obtained and by whom.  Access to credit reports is restricted to businesses with a specific need, and to consumers who request their own report. You may get another person’s report if you have power of attorney or are the executor of an estate, or with permission.

Only businesses or individuals with a “permissible purpose” can access your credit report. “Permissible purpose” is defined in Section 604 of the Fair Credit Reporting Act (FCRA).  Examples of permissible purpose include:
-Accessing a credit report in connection with a credit transaction involving the consumer,
-For the underwriting of insurance involving the consumer,
-In connection with determining eligibility for a license or government benefit, or
-For a business transaction initiated by a consumer.

Lenders (with permission) typically get credit scores from the three main credit reporting agencies; Equifax, Experian, and Trans Union0.