… Your Credit Report - Part V
It is important to know that your credit can be accessed for many reasons, not just because you are applying for a loan. Many consumers do not realize that when they buy auto insurance, the insurance company pulls a credit report on the individual prior to quoting a rate for the policy. The credit scores they get will influence the rate they offer to the consumer.
Many apartment complexes now pull credit reports on individuals applying for a lease. You can be denied a lease if they find your credit unacceptable.
Additionally consumers are usually unaware that the credit bureaus are putting them at risk by allow marketing groups access to your personal and private credit information. Every time you receive a pre-qualified offer of credit in the mail, it is a signal that the credit bureaus have allowed some marketing group access to your credit information.
While this may not negatively impact your credit scores because they are not actually pulling a credit report, the marketing group has still been given access to your personal information without your knowledge or permission. To prevent this potential risk to your credit history, you can call 1-888-567-8688 to require that all three credit agencies keep your personal information private and not share it with any marketing group.
What you need to know about your credit report - Part VI to follow.