When can a credit report be disclosed?

Anyone who requests a credit report on someone else needs to have a legitimate need for it. Most likely, this means the person or company is about to enter into a credit agreement with you, or that they have another legitimate reason to make a financial risk assessment regarding you. A landlord may have a legitimate need for a credit report if you are renting a home. Another case may be if an employer intends to employ you in a higher position which also entails financial responsibility, for example as the company’s CFO