1. Is this question true or false?

Because credit reports contain sensitive personal information, access to them is limited. Credit bureaus can provide credit reports only to

lenders from whom you are seeking credit;

lenders that have granted you credit;

telephone, cell phone, and utility companies that may provide services to you;

your employer or prospective employer, but only if you agree;

insurance companies that have issued or may issue an insurance policy for you;

government agencies reviewing your financial status for government benefits; and

anyone else with a legitimate business need for the information, such as a potential landlord or a bank at which you are opening a checking account.

Your professors

Your colleagues at work

Your business competitors.