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As your credit report contains all this information, it makes sense to order your credit report at least once a year. It is also good to know your credit reporting rights so that you can take steps to safeguard your privacy. The Federal Fair Credit Reporting Act (FCRA) and state laws restrict who can get access to your credit information and to what use that information can be put. These laws set the standard for operating credit bureaus in the country.
Today, there are many websites that offer credit reports and credit monitoring facilities. Educating yourself on the laws and rules will help to establish credit monitoring online privacy.
Primarily, there are three main credit bureaus in the nation -- TransUnion, Equifax and Experian. There is also a fourth credit bureau, Innovis Data Solutions, but the first three are the main players in credit monitoring business.
Even when a organization, individual or firm wants to access your credit history using online resources, there are certain privacy policies in place. Anyone with a legitimate business need can access your credit report and this include financial institutions extending credit, landlords, insurance companies, employers, companies with which you have credit monitoring contract, government departments when you apply for a government license or benefit, state or local child support enforcement agency and any government agency.
Usually to protect your credit monitoring online privacy or offline privacy, only your employer needs to take a written consent from you to obtain your credit report. Just in the state of Vermont as oral confirmation suffices.
In the United States, 16 states allow the freezing of credit report so that it can only be accessed in certain situations. This option is offered free to victims of identity thefts provided they submit a police report to the credit bureaus. Those who have not become victims to identity theft have the option of freezing their credit reports in the 16 states for a fee.
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A credit report can influence many things in our lives. Your credit report influences the cost of loans, your ability to buy or rent a home, insurance rates and even future employment opportunities. If you understand your credit report, you can create a positive credit history and credit report so that you do not experience any difficulties in life. 
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