Which of the following statements regarding access to individual credit reports is most accurate?

Insurance companies can view a customer's credit report when underwriting insurance policies.

All employers can request an applicant's credit report without the applicant's knowledge.

Individuals are not allowed access to their personal credit reports unless they have been denied credit, employment, or

insurance as a result of a credit check.

Anyone with someone's Social Security number can request that person's credit report under the law.