Private investigators, journalists, insurance companies, government law agencies PI's have to be federally licensed. Investigative journalists have to be federally certified as well. Insurance companies have to have contract with the person. PI's hired by a side to the case. PI's PI's have to be federally licensed.
Employer has to be registered company.
Individuals and organizations can request credit bureaus to provide them with access to personal records under one of the above categories. Recipients have to submit written permission for their request and written proof of their qualification. The credit bureaus will record and verify the request based on category and recipient qualification. If permission is granted, the credit bureaus provide appropriate access for that request. The bureaus will also track and record the access of the recipient and what information was retrieved for the approved request.