Credit Checks On Individuals Access
: You must get written permission from the individual before requesting their credit report.
How to do a credit check on a tenant: Manual vs automated methods credit checks on individuals
: To run the check, you will typically need their: Full legal name and current address. Social Security Number (SSN) or equivalent. Date of birth. 2. Choose a Reporting Service : You must get written permission from the
: You can contact major bureaus like Equifax , Experian, or TransUnion to request reports. Date of birth
Most individuals cannot pull a full credit report directly from bureaus without using a third-party screening service that verifies your business or identity first.
You cannot legally check someone's credit without a "permissible purpose" (e.g., as a landlord, employer, or lender) and their explicit cooperation.
For landlords, this is often part of the Rental Application .