Are there any restrictions on who can access my credit information?

Yes, there are restrictions on who can access your credit information in Washington. The Fair Credit Reporting Act (FCRA) is a federal law that restricts who can view your credit reports and score. According to the FCRA, only certain entities are allowed access to your credit information. These entities include potential employers, creditors, insurers, and government agencies. Additionally, only people or entities that have a permissible purpose may view your credit information. For example, a landlord may only view your credit report if they have a legitimate business purpose for doing so. You also have the right to opt-out of certain types of access. For example, you can opt-out of receiving prescreened offers of credit in the mail. This will prevent companies from accessing your credit information to send you these offers. To opt-out of prescreened offers, you can call 1-888-5-OPTOUT. It is also important to remember that you have the right to dispute inaccurate information on your credit report. Under the FCRA, the credit bureaus must investigate the dispute and either substantiate or delete the information in question. The credit bureaus may also provide the full credit report to the individual who requested it. Overall, the FCRA provides a number of legal protections for consumers to help keep their credit information secure. It is important to understand your rights under the FCRA to ensure that your credit is protected against any potential misuse.

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