First Credit Bureau
Credit Bureau Membership
Employment background check
Tenant screening
Credit reports for lenders of all kinds
How your business or financial institution can get credit reports
Online Credit Report
Free Credit Report
Canadian credit reports
  About Us / Contact


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:

  1. In response to a court order or a Federal Grand Jury Subpoena.
  2. In accordance with the written instruction of the consumer.
  3. 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.


Home Page  Membership  Employment Screeening  Landlord Services  Lender Services  Contact  Business Credit Reports  Personal Online Credit Report  Fair Credit Reporting Act  Privacy  FreeCreditReport   Canadian Credit Report  Comparable Home Prices