Some people or entities who might need to look at your credit report include:

• Creditors and lenders such as banks, credit card companies, mortgage providers, and auto lenders, to decide whether to lend you money and under what terms.
• Landlords or property management companies when you apply to rent a property, to check your financial reliability.
• Insurance companies for setting insurance coverage and premiums.
• Employers (with your written permission) during employment screening, especially for jobs involving financial responsibility.
• Utility and mobile phone companies when setting up accounts to assess risk.
• Government agencies for determining eligibility for benefits or licenses.
• Collection agencies for debt collection efforts.
• Courts or authorities under court orders or subpoenas.
• Potential investors or servicers of credit portfolios.

Generally, these entities need a valid, permissible purpose under law to access your credit report. You must usually give consent for employers or prospective employers to view it. Unauthorized access to your credit report is prohibited and can lead to penalties.