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Generally, anyone with whom Equifax has established a business relationship and who has what is considered a "permissible purpose" under the Fair Credit Reporting Act (FCRA) can obtain a copy of your Equifax credit report. A permissible purpose includes: employment, insurance, consideration of an application for a loan or an offer of credit, and collection of a debt. The companies, groups, and individuals that may have permissible purpose include:
- Potential lenders
- Landlords
- Insurance companies
- Employers and potential employers (with your written consent)
- Companies you allow to monitor your credit file activity, including for potential signs of identity theft
- Those considering your application for a government license or benefit
- A state or local child support enforcement agency
- Collection agencies
- Anyone who has established a business relationship with Equifax and has your written authorization to obtain your credit report.
- Your Equifax credit file can also be provided to a third party pursuant to the requirements of a court order or other legal procedure.
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