Question

who can access your credit report?

a. friends
b. employers
c. neighbors
d. teachers

Explanation:

Analyze permissible credit report access

Under the Fair Credit Reporting Act (FCRA), access to a consumer's credit report is restricted to entities with a legally defined "permissible purpose." This includes lenders, insurers, landlords, and employers (with written consent).

Evaluate the given options

• a. friends: Friends do not have a permissible business purpose or legal right to view your credit history.
• b. employers: Employers can access a modified version of your credit report for hiring or promotion decisions, provided they obtain your explicit written permission.
• c. neighbors: Neighbors have no business relationship or permissible purpose to access your report.
• d. teachers: Teachers have no professional or legal basis to view your personal credit history.

Identify the correct choice

Using the Credit History knowledge point, only employers among the listed options can legally access your credit report under specific, regulated conditions.

Answer:

• a. friends
• b. employers (Correct answer)
• c. neighbors
• d. teachers