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Nobody can get your Credit Report - 1. The Fair Credit Reporting Act (FCRA) contains rules about who can get your Credit Report. Generally, a third party can access your Credit Report when considering an application you've made, such as for a loan, a job, insurance or an apartment. The law also allows entities to access your report as part of an ongoing business relationship. Suppose you already have an auto loan at the bank and you miss a payment or you move and don't provide a forwarding address. In this situation, the bank has the right to obtain a copy of your latest Credit Report.
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