What info is needed to run a credit check?

Question

S.S. #, address,... ?

Thanks : )

allansc20... : That's not funny!

Thanks everyone.... the reason I ask is because I think a woman who made threats against me ran a credit check on me because she already paid for one of those reports on me that gives all your history & records, etc.

I feel like she will always have access to my personal info and be able to view my credit activity whenever she wants to from now on. It's really unsettling and she may do something she thinks will hurt me....

Thanks so much for the ongoing responses and support. I'm going to check on who's been viewing my credit history now. The woman has no ties to me other than I'm in a new relationship with her ex and she hates me for that. She's actually never even met me or seen me, but she's on this rampage to find out everything about me and disturb any peace I have. Making death threats and everything....

I think she used to do loan processing or something for a little while, and that is how she has access to these things now. She's really out of control.

Answer 1

Name, address, SSN and date of birth, I think that's about it.

Answer 2

You can follow markmywor's advice, or (as I suggest) play hardball with this woman.

First, you have to understand how the law works. Read the link below, and pay special attention to Section 604.

You can not legally get someone's credit report without having a "permissable purpose" for having it. Did you have a previous business arrangement? That would give her permission.

Did you default on a debt? She can continue to get your credit information for purposes of recovering the debt.

If you don't owe her on a debt, and are not currently doing business with her, then she has no legitimate purpose to get your report.

What you do is send her a certified mail/return receipt, and tell you that you no longer are doing business with her, and she no longer has permission to access your credit history.

Then keep an eye on your credit reports. Everyone who access your reports are listed on it. If her name comes up, then she has violated the law. You can not only sue her for civil damages, but she can get in a ton of trouble from the FTC.

Answer 3

If you live in the United States you can call 877-322-8228. The U.S. government has passed a law that everyone has the right to check what is being reported to the three major credit bureaus. They will ask for information such as your Social Security number and a previous address to verify your identity.

Answer 4

Your credit information is not only easily obtainable....it's actually legal for the credit bureaus to sell your information.

You only need name and address, but SSN is helpful for verification purposes.

But there's a bigger problem here. That woman may be setting you up not only for harassment but for identity theft as well.

You should immediately contact the three credit bureaus and ask to place an identity theft freeze on your account.

This will prevent this woman from using your details to open lines of credit in your name that she uses for her personal benefit, which would ruin your credit score/rating.

Then allow a thaw only upon special verification. Which means to get new credit, you'll need additional authentication. It's a pain for you, but it protects her from stealing enough of your information to use it against you and your credit rating.

Answer 5

Full Name and address place of work and employersname and address ss#

Answer 6

s.s, proof of address, employment history(verification purposes), birth certificate, driver's licence

Answer 7

well if your getting it ran to be approved to purchase something u would normally need: ss, address, #, dob, employer, former employer, yearly income, own or rent?,

Answer 8

I already ran a credit check on you(-;

Answer 9

name,ss# address and with some companies dob

Answer 10

name, SSN, DOB, sometimes address