This inexpensive (and sometimes free) service prevents anyone from accessing your credit report unless you explicitly «unlock» it. (knowzy.com)
You have the right to access your credit report for free annually from each of the three reporting bureaus. (aplusfcu.org)
However, you can instruct the credit bureau to deliver the statement to any additional lenders of your choosing that have accessed your credit report at that bureau during the past six months. (creditcards.com)