No one can access your credit report unless they have a permissible purpose which is to access your credit report to help in making certain types of decisions about you. Once you have provided consent, which below can see your credit report?

a. Employers or prospective employers

b. Landlord whose apartment you wish to rent

c. Lenders you are seeking to borrow from

d. Utility companies (electricity, heating etc.) that service your apartment

e. All the responses