The information maintained in credit bureau databases is in demand by everyone from potential employers to direct mail marketers and landlords. Aside from lenders from whom you are seeking credit, some home owners and auto insurance companies are basing premiums, in part, on credit report scores. For a fee, companies wishing to sell you something can submit a list of criteria to the credit bureaus to receive a list of names and addresses of people who meet the criteria. These “promotional inquiries” can include some very basic credit information. Any company you current hold a credit account with can periodically check your credit score to make sure you are still a good credit risk. Other businesses or individuals, such as potential employers, utility companies, or landlords, can access your credit report assuming you give the permission.

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