Is it legal to pull Credit Report of an existing borrower

[Abdenour Achab]

Hi,

Somebody I loan money to has signed a promissory note, but not an authorization to check her credit. As her lender, is it legal for me to pull out her credit report now without her authorization ? Both of us live in the state of California. My motivation is to make sure that the social security number she gave me is the correct one. I know her name and address are the correct ones, but I had never checked her social security number. By the way, is there a way of checking a social security number without pulling a full credit report ?

Once I have made sure that the social I have is the correct one, I want to report the payments as delinquent to all 3 credit bureaus. What's the cheapest way of doing that ?

Thanks,

Abdenour