Only individuals and companies with business needs as recognized by the FCRA may obtain a copy of your credit report. The most common business reasons a company will obtain your credit report is when you apply for credit, employment, or insurance. No employer can obtain a copy of your credit report without your prior written consent. Medical information cannot be provided to another party without your permission. Some creditors and insurers may use limited file information as marketing tools for their unsolicited credit and insurance offers. All unsolicited offers must include a toll-free phone number for you to call to remove your name and address from their lists. An additional step you can take to keep your name off lists permanently is to complete a CRA form prepared for this purpose.