Final answer:
Among the choices provided, b. employers can access your credit report, usually with your permission. This is especially common during the hiring process. It's important to monitor your credit history and understand your rights regarding who can access it.
Step-by-step explanation:
Who can access your credit report is an important question related to financial literacy and privacy. Among the choices provided, b. employers have the potential to access your credit report, but generally only with your permission. This often occurs during the hiring process, particularly for positions that require financial responsibility. Friends, neighbors, and teachers would not have legitimate or legal access to your personal credit report.
It is essential to provide only the minimum information requested by any source, to ask why information is being collected, how it will be used, and who will have access to it. Additionally, it's crucial to monitor your credit history for red flags that may indicate your identity has been compromised. Access to your credit report is governed by law, and entities must have a valid reason, often termed a 'permissible purpose,' to check your report.