Understanding the FCRA

The Fair Credit Reporting Act (FCRA) provides regulation around who and when information about you can be utilized. Generally speaking, when an employment, credit, or tenant screening decision is being made about you the entity receiving your information must provide you with two things 1) notice that they will be accessing your public or private record information 2) disclosure on where they received this information from if an adverse decision is made. Entities that provide this information to employers, landlords, or mortgage brokers amongst others are known as Consumer Reporting Agencies or CRAs.

According to the laws of the Fair Credit Reporting Act (FCRA), PeopleLooker is not a consumer reporting agency. This means there a number of restrictions in the way you can use PeopleLooker. Below is just a brief summary of some of these restrictions. We encourage you to educate yourself on the FCRA. PeopleLooker was built for the everyday consumer to have access to public records, both to look up themselves and others.

You are restricted from using PeopleLooker for:

Employment Screening

You may not use PeopleLooker when evaluating a person for employment, reassignment, promotion, or retention

Hiring of Household Workers

Including, but not limited to, nannies and domestic workers

Tenant Screening

Including, but not limited to, leasing a residential or commercial space

Educational Qualification

Including, but not limited to, a person’s qualifications for an educational program or scholarship

Credit or Insurance

Assesssing the risk of existing credit obligations of an individual
Determining eligibility for issuing credit or insurance

Business Transactions Initiated by an Individual Customer

Reviewing a personal customer account to determine whether the person continues to meet the terms of the account

Using PeopleLooker information in these ways violates both our Terms & Conditions and the law, and can lead to possible criminal penalties. We take this very seriously, and reserve the right to terminate user accounts and/or report violators to law enforcement as appropriate.

For Access to a Consumer Reporting Agency, Visit:



Note: PeopleLooker has no affiliation with any of these services and recommends them as a courtesy.

Have questions or still unsure?

Take a look at our Common Uses Cases. By using PeopleLooker, you agree to our Terms of Service. To understand how PeopleLooker protects the privacy of its users, please visit our Privacy FAQ.

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