Who Uses A CIC Credit Report?

Anyone can use a CIC credit report as long as they have permission to search the credit history of an individual.  A consumer who wants to know his credit score quickly and without waiting for reports to come from the three reporting agencies can obtain a CIC credit report in minutes. 

Landlords use a CIC credit report very often.  Not only can CIC give them credit information about their prospective tenant, but they can also provide a background check.  No landlord wants to rent an apartment to someone who cannot pay their bills or who is a felon.  A CIC credit report can give you information that is not public record, such as credit information. 

Anyone who wants to obtain a CIC credit report needs to have permission of the person of whom they are seeking the credit report.  You cannot simply get credit information without permission.  You can, however, get a background check of criminal history or anything of public record simply by contacting CIC. Anything that goes on through the court system is a matter of public record.

If you apply for a job, you may be asked to sign a waiver giving your employer to do a credit check on you.  You do not have to sign this waiver, however, chances are that you will not be hired if you refuse.  The employer will most likely obtain a CIC credit report.  He or she may or may not be looking at your credit.  In most cases, the employer is more interested in the background check.  There are some employers, however, who are interested in making sure that he person they hire for the job has good financial character. 

In addition to landlords and employers, others who use a CIC credit report include some lenders.  Lenders who want to give you a credit decision quickly may obtain a CIC credit report as it gives them the results of all three credit bureau reports instead of just one.

There are three credit reporting agencies in the United States.  These are TransUnion, Experian and Equifax.  Individual consumers are allowed to get one free credit report each year from each of the agencies.  A consumer can also obtain a CIC credit report which will give you the results of all three agencies as well as a credit score.  Those who want to know their credit report history in a hurry may resort to getting a CIC credit report. 

Anyone can obtain a CIC credit report on another individual as long as they have their permission to do so.  You can also obtain a CIC credit report for yourself if you want the most up to date credit information as well as your credit score.  Sometimes it does not pay to wait when obtaining your credit history, especially if you feel as though you have been the victim of identity theft.  In such cases, it may be wise to simply get a CIC credit report that covers all three bureaus rather than wait for a report from each one.


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