Who is authorized to request and view a consumer credit report?
Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act (FCRA). A consumer reporting agency may furnish a consumer report under the following circumstances: • In response to a court order or a Federal Grand Jury Subpoena. • In accordance with the written instruction of the consumer. • To a person or entity whom the bureau has reason to believe: • Intends to use the report in connection with the extension of credit, or the review or collection of an account; • Intends to use the report for insurance underwriting; • Intends to use the report for determining the eligibility for a government license or benefit where the government agency is required to consider the consumer’s financial status; • Otherwise has a legitimate business need for the report in connection with a business transaction involving the consumer.
Related Questions
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- Who is authorized to request and view a consumer credit report?
