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Can a credit report be obtained for 2 spouses with only one signature?

April 26, 2017credit report obtained signature spouses

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Can a credit report be obtained for 2 spouses with only one signature?

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Yes, while the new Personal Information Protection Act (Jan. 2004) is very strict about access to personal information without approval, it is felt that the argument would be that spouse 1 is acting as agent of spouse 2 in providing consent for the credit report. Presumably the credit report is obtained so that the spouses can finance a vehicle purchase together. As a result, it likely falls in the consent section 12(1)(a) where “an organization may collect personal information … without consent … if … the collection is clearly in the interests of the individual and consent cannot be obtained in a timely way…” That said, it is always best to obtain written consent for the report as soon as possible. Spouse 2 will have to sign the finance documents in any event.