You cannot legally check someone's credit without a "permissible purpose" (e.g., as a landlord, employer, or lender) and their explicit cooperation.
Checking an individual's credit is a highly regulated process that requires both legal compliance and the right tools. 1. Establish Legal Authorization credit checks on individuals
: To run the check, you will typically need their: Full legal name and current address. Social Security Number (SSN) or equivalent. Date of birth. 2. Choose a Reporting Service You cannot legally check someone's credit without a
Most individuals cannot pull a full credit report directly from bureaus without using a third-party screening service that verifies your business or identity first. as a landlord
For landlords, this is often part of the Rental Application .