Is it illegal in the state of Ca. to check your spouses credit report w/out their knowledge?

Answer 1

It is illegal everywhere: here are the regulations:


Permissible purposes of consumer reports
Section 604(a)(3)(A) permits creditors or third party debt collectors to receive consumer reports if the third party "intends to use the information in connection with a credit transaction involving the consumer . . . and involving the extension of credit to, or review or collection of an account, of the consumer.
In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
In accordance with the written instructions of the consumer to whom it relates.
To a person which it has reason to believe
(A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or
(B) intends to use the information for employment purposes; or
(C) intends to use the information in connection with the underwriting of insurance involving the consumer; or
(D) intends to use the information in connection with a determination of the consumer's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant's financial responsibility or status; or
(E) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assesvsment of the credit or prepayment risks associated with, an existing credit obligation; or
(F) otherwise has a legitimate business need for the information

Answer 2

Yes, it is illegal, and not just in California, but everywhere. The Fair Credit Reporting Act prohibits such intrusions into personal privacy.

Answer 3

Don't know but if you two don't know about each others finances seems to me there might be a trust issue here.