The FCRA’s Limits on Access to Your Credit Reports

CreditCards.com has an informative report on who is permitted to view consumers’ credit reports. The FCRA limits access to persons with a “permissible purpose.” Persons may access a consumer’s credit files if the consumer gives written consent or in connection with a credit transaction to which the consumer consented. Persons may also access a consumer’s credits for the purpose of checking an applicant’s employment history, in connection with an application for insurance, and for other limited purposes. The most common permissible purpose violation is in the case of identity theft. CreditCards.com describes a case in which a clerk at a...

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