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Important Notice about Credit Reports

The Fair Credit Reporting Act permits consumer reporting agencies to provide consumer reports only for certain purposes.  Any subscriber who uses false pretenses to obtain a consumer report may be the subject of criminal prosecution.

Section 604 Permissible Purposes Of Reports

A consumer reporting agency may furnish a consumer report under the following circumstances and no other:

  • (1) In response to the order of a court having jurisdiction to issue such an order.

    (2) In accordance with the written instruction from the consumer to whom it relates.

    (3) To a person who:

    • (A) Intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or

      (B) Intends to use the information for employment purposes; or

      (C) Intends to use the information in connection with the underwriting of insurance involving the consumer, or

      (D) Intends to use the information in connection with a determination of the consumer's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant's financial responsibility or status; or

      (E) Otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.

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