How to Check Someone Credit Score. You can check someone's credit before doing business with them and reduce your delinquent accounts. However, remember that the government considers a person's credit to be private; you cannot check the score without that person's permission.
Ask for permission in writing to run a credit check from the subject of the check. Alternately, you can ask the person to obtain a copy of his credit report and share it with you.
Contact your local trade association if you are a business owner or landlord. Many trade associations work together to purchase credit information at reduced prices.
Purchase credit reports through any of the three main credit reporting agencies (Experian, Equifax or TransUnion) if you will be doing many credit checks. Otherwise, you can obtain credit reports through private investigation firms or through online credit reporting sites.
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Notify the person in question if you are making a decision against her on the basis of her credit report. You are legally obligated to do so. You also are required by law to not discriminate on the basis of credit crises, such as bankruptcies.