Legally speaking, if a person owes you debt and you can sufficiently prove a direct debtor-creditor relationship between the two of you before a court of law, then you (the creditor) earn the right to obtain that person’s credit report even without the person’s permission. There are some steps you will have to take if you want to legally access another person’s credit report without his or her permission.
Arm yourself with basic bio-data about the person whose credit report you want to access. This will generally include the person’s full names (as in their government financial records,) his or her Social Security number, date of birth and any other piece of information that might be used to narrow down your search. Credit bureaus keep records for millions upon millions of people and you often need very specific details, like the person’s date of birth and social security number, if you are to get information regarding the specific person you are after (and not another person with a similar name.) If the person filled out a credit or lease application with you, you can find most of these specific details there.
Attempt to get the person’s permission to access his credit report, one last time. Granted, this can be quite tricky, as many debtors are not forthcoming; however, if you can somehow get permission, it could save you from the long (and potentially expensive) process you will have to be subjected to in order to obtain the same information without the owner’s permission.
Brief your attorney to institute legal proceedings toward getting the person’s credit report if you are completely unable to get the person’s permission to access the report.
Provide your attorney with as much information regarding the circumstances of the debt as you possibly can. Remember, your attorney will have to prove that you have a direct (and incontestable) debtor-creditor relationship with the person whose credit report you are seeking to access in order for you to be allowed access that credit report.
Get your attorney to contact a credit bureau with the court order authorizing you to access the person’s credit report, and request to have access to the same report now. It is at this step that you will get the actual opportunity to use the data about your creditor that you prepared in step 1.
Brief your attorney to use all the credit information you obtain from your debtor’s credit report as part of evidence in the legal proceedings you subsequently institute against the debtor toward debt recovery.
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