Consumer reporting agencies can provide information only to the following requestors:

1. creditors who are considering granting or have granted you credit;
2. employers considering you for employment, promotion, reassignment, or retention;
3. insurers considering you for an insurance policy or reviewing an existing policy;
4. government agencies reviewing your financial status in connection with issuing you certain licenses   or government benefits; and
5. anyone else with a legitimate business reason for needing the information in connection with a  business transaction that is initiated by the consumer.

Consumer reporting agencies also furnish reports if so required by court orders or federal jury subpoenas. And they will also issue your report to a third party if you give them written instructions to do so.