Who can utilize a consumer's credit report under the Fair Credit Reporting Act?

Under the Fair Credit Reporting Act (FCRA), the correct answer that encompasses who can utilize a consumer's credit report is comprehensive. While consumers do have the right to request their own credit reports, there are specific circumstances under which other entities can also access a consumer's credit information.

Employers can access credit reports for employment decisions, provided they follow certain guidelines like obtaining the consumer's permission. Additionally, a court order can allow legal entities or individuals to access a credit report in connection with litigation or debt collection matters.

This means that the ability to utilize a consumer's credit report is not limited to consumers requesting their own reports. In fact, the scope extends to employers and situations involving court orders as part of the law's aim to promote fair and responsible use of credit information. Thus, the most accurate comprehensive choice would recognize all these entities, not just consumers alone.