You are allowed I think 1 free credit report per year now or something like that. If you know the ss# you can pull it and I don't think he'd be the wiser. However........I'd be more concerned with pulling your own rather than his. If he has obtained any unpaid debt that you are a part of, you will find out that way too. I don't think that snooping to protect yourself is a bad thing.......just don't let it drive you bananas.