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Can anyone get a copy of my credit report?

No, some individuals and businesses are allowed, for business reasons, to obtain credit reports on people other than themselves, but there are strict laws and penalties in place to ensure that this privilege is not abused.

Why is credit important?

If you are looking for a loan, credit card, or low interest rates, having good credit will increase your chances of getting one of these. If you have credit problems, it may be hard to acquire a loan when you need it the most.

Is a lender who requested a copy of my credit report allowed to show it to me?

The credit bureaus do not allow most lenders to show you a copy of your own credit report. However, you can purchase a copy of your credit report from the credit bureaus.

How much will it cost me to obtain a copy of my credit report?

The cost of your credit report will vary upon which bureau you request it from and which state you live in.

What is credit?

Credit is the reputation you have earned for paying your bills on time that makes it possible for you to receive loans, etc. with the understanding that you will pay for them later.