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According to the Fair Credit Reporting Act, any individual or business who has a legitimate business need can check a person's credit report. The term "legitimate business need" covers insurance companies, credit card companies, lenders, landlords, government agencies and other companies or organizations that you are doing business or about to do business with.

Those who request your credit report for reasons other than a "legitimate business need" shall be penalized and jailed.

You will also be able to see everyone who has accessed your credit report. It will be listed on your report itself and is considered as a hard inquiry. Hard inquiry means that points will be deducted off your credit score.

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