Unless you work for an attorney or someone who can legally pull other's reports, it is illegal and not easy to pull another persons credit report. You can't legally do so.
When you examine your credit report, you will see the inquiries that have been made and by whom. There are limitations to who can pull your credit report without your permission.
Pull your credit report: www.annualcreditreport.com (free Equifax report)
Pull your credit report.
No only he can pull his credit report but him or a creditor with a permissible purpose, if you do and use his info it is considered fraud.
The nomenclature generally used in the credit report industry is usually "hard pull" and "soft pull". A hard pull of your credit history is done when a potential lender retrieves your credit file on your behalf for the purpose of deciding whether to extend credit to you or not. A soft pull is done when you want to pull your own report for review purposes only or when a lender checks your credit without your permission (perhaps to pre-qualify you for a credit card offer).
The credit report holder can check his or her report as often as they choose. When you check your credit report it is considered a "soft inquiry" and will not affect your status.
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PULL YOUR CREDIT REPORT
When you pull your credit report you will notice at the very last pages of this report your creditor informaiton. This includes the name if the creditor, address, and phone number.
if you get more than one credit check in a given period of time it will reflect badly on your credit. you have the right to take your credit report with you once you authorize someone to pull your credit. then you can take that to another dealer if you are car shopping rather than having a bunch of people pull your credit. good luck!
When you ask a possible creditor to inquire about your credit, it may affect your credit. This is because it implies that you're possibly opening a new line of credit. But you have the right to look at your credit report without affecting your credit. When you request your credit report it's called a "consumer pull" and has no affect on your credit.
Unless you have given a collection agency written permission to pull a full credit report they are in violation of credit laws.