Recipient - A person or organization accessing and retrieving information from the credit bureaus. The various judicial categories are the only ones that do not require explicit permission from the subject person. Any company from which the person asked for credit and provided written permission for a credit check. 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.