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I authorize the person whom this application is delivered, to obtain my credit report from any credit-reporting agency and to contact my current or previous landlord and/or employer(s), to establish or verify my financial standing.
Your credit report can't be obtained by just anyone. The FCRA lays out in what situations a credit reporting agency can provide others access to your report. Even those who want access to your report can only ask for it if they have a legally permissible reason to do so.
A credit report authorization form is a document used to give permission to an individual or organization to perform a credit report only.
Checking your own credit report is not an inquiry about new credit, so it has no effect on your score.
Express consent means that federally regulated financial institutions must get your permission before providing financial products or services to you. This applies to all products and services such as credit cards, lines of credit and loans. They can obtain your consent verbally or in writing.
Employers may use your credit report, if you give them permission to do so, to decide whether to hire you. Telephone and utility companies may use information in your credit report to decide whether to provide services to you. Landlords may use the information to determine whether to rent an apartment to you.
I agree and give my consent to you to process my personal information for the purposes relating to obtaining my credit report through you and agree that you may share this information for this purpose with a registered credit providers as well as your service providers in order to enable them to process my personal ...
Getting Consent to Run a Credit Report Step 1 ? Explain the Purpose to the Individual. ... Step 2 ? Completing the Form. ... Step 3 ? Obtaining a Real Signature. ... Step 4 ? Run the Credit Report. ... Step 5 ? Review and Give a Copy to the Consenter (if asked)