Block marketing requests for credit report

Dear Dave: I requested a copy of my credit report and noticed there have been several instances where companies have asked for a copy of my report. I was under the impression that this could only be done if you were applying for credit.

- Lynn

Dear Lynn,

Under the Federal Fair Credit Reporting Act, anyone with a valid business reason can check your report with, or without, your permission. Some employment applications even state they will be pulling a copy of your report as part of their screening process.

It sounds to me like you've gotten a bunch of marketing inquiries. That why your mailbox – like most – is full of unsolicited credit card and home equity loan offers.

But here's the good news. You can put a block on your bureau for unsolicited marketing inquiries. This prevents companies from searching your bureau for the sole purpose of offering credit you didn't request.

- Dave