Who uses a credit report?

Consumers rating agencies supply this information only to the following
• Lenders, who have granted or are considering granting you loans
• Employers considering you for employment, promotion, reassignment, or retention
• Insurers considering you for an insurance policy or reviewing an existing policy
• Government bodies reviewing your financial status
• Landlords

Thus, it is very important to review your credit report regularly. Financial advisors suggest people to review their credit reports periodically for all sorts of reasons ranging from mortgage applications to identity thefts.