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Build your AMP Credit Score® automatically by linking your online utility, mobile phone, cable TV and Internet accounts to your eCredable® Credit Profile.

Who Can View My Credit Report?

The Fair Credit Reporting Act (FCRA) regulates access to your credit report. That's because your credit report contains highly personal information about you, your credit accounts and credit inquiries, as well as negative information such as bankruptcies or accounts in collection.

The FCRA restricts who can look at your credit report and why. A company must have a legitimate reason to view your credit report; any organization or individual who obtains a copy of your credit report under false pretenses can be fined and jailed for up to a year.

Businesses and lenders can buy memberships to the three major credit reporting bureaus (Equifax, Experian and TransUnion) so they can quickly and easily do a credit history check on potential customers. Credit bureau members have to sign a contract stating that they will only access credit files when considering persons for extensions of credit, employment, or other legitimate business purposes.

The types of organizations that can access credit reports and perform credit history checks include:

  • Lenders
  • Insurance companies
  • Landlords seeking a credit check for renters
  • Credit card companies
  • Companies with which you are seeking employment (but only with your written consent)
  • Organizations considering your application for a government license or benefit (but only if the agency is required to consider your financial status)
  • State or local child support enforcement agencies
  • Government agencies (although typically they can only see your name, address, former addresses and current and former employers)
  • Other organizations with which you've initiated business

Potential employers see a different version of your credit report than lenders do. Potential employers conducting a credit check for employment are only concerned with how you manage and repay debt—in other words, your level of financial responsibility. Therefore, they don't need to see as many details on your credit report.

Your AMP Credit Report® is not accessible like your traditional report. You have complete control over who will see your eCredable AMP Credit Report. After you have paid for your report, you may provide a copy of your AMP Credit Report as a supplement to any credit application or to any individual or company who's checking your credit. You may also provide a temporary password with your AMP Credit Report so that anyone may view your report in your secure, online eCredable account free of charge.

Download PDF about Who Can See your Credit Report by clicking here