Several entities can access you credit report for a fee. These include the following:

* Employers
* Insurers
* Landlords
* Lenders

These entities use your credit report to find out what kind of credit risk you are. It helps them determine whether or not they will do business with you. This means they’re using the facts of your credit history in whole or part to influence some portion of your future. The following is a list of times in your life when entities may look at your credit report:

* When applying for a job
* When applying for a loan
* When applying for credit
* When applying for insurance
* When applying to rent an apartment