The Fair Credit Reporting Act (FCRA) enacted in 1970 protects the consumer from inaccurate credit reporting information and irrelevant information and it provides for confidentiality. If someone gives your spouse access to your credit report without your permission, that would violate the confidentiality clause. However, a credit report can be obtained legally through a court order in the case of divorce and child support payments.
Permissible Purpose
Under FCRA regulations, a copy of a credit report can be requested for a credit transaction, a credit extension, a credit offering, or review of a credit collection. A report can also be requested by a potential employer or by insurance providers. Your credit report might also be requested by a government entity when you seek a license or other permit, especially when an applicant's financial responsibility needs to be considered.
Written Consent
A spouse may request his spouse's credit report if he receives written consent from her.
Joint Account
If spouses have joint accounts, this credit information will appear on both credit reports, so there is no need for one spouse to see the other's credit report to view this information. After a divorce, both spouses are still responsible for these joint accounts, but one or the other can close the account once it is paid off. Once you close a joint account, order your own personal credit report to check the joint account status.
Court Order
In certain circumstances, a spouse's credit report can be requested without his permission but only through a court order. This order is issued when there is a need to establish an individual's ability to make child support payments.
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