Credit Report Request

Individuals should consult the state licensing requirements to determine if they should request a credit report through NMLS.

The system allows an applicant to grant access to an existing credit report, if done so within 30 days of the original credit report retrieval.

The system requires that anyone requesting a credit report be at least 15 years old and have a social security number.

State agencies are prohibited from disclosing any information from the credit report with any third party. When placing an external note related to an individual’s credit report or criminal background check, you must mark the notes as “Private” so they are only viewable to the individual entity.

Foreign nationals or individuals who do not reside in the United States should refer to the State Agency checklist for instructions on how to meet this requirement.