August 3, 2022 — Report

This white paper provides an overview of the most significant uses of credit reports and credit scores for purposes other than credit underwriting. These non-credit uses include: Employment, Rental housing, Insurance, and others.

These non-credit uses include:

  • Employment
  • Rental housing
  • Insurance

There are other non-credit uses beyond these three. This white paper briefly discusses two additional uses at Section E: utility ratesetting/deposit-taking and the Department of Homeland Security’s now-vacated Public Charge Rule.