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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.
 

 

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