Who uses my credit report?

Who uses my credit report?

http://www.freeannualcreditreportnow.com/purpose-of-credit-reports/

Credit reports are used by creditors, lenders, insurers, employers, courts, landlords, cell phone companies, and utility companies. Under “permissible purpose” laws these businesses have legal access to your credit files for the purpose of evaluating your finances and determining your rates. In most cases, your authorization is required before they can request your data.