Consumer reporting agencies, under 15 U.S.C.A. § 1681e, must require that prospective users of consumer reports:
identify themselves,
certify the purposes for which the information is sought, and
certify that the information will be used for no other purpose.
Iowa Prospective User's Certification of Purposes For Which Consumer Reports Will Be Used
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Multi-State
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US-01415BG
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Word;
Rich Text
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Description
How to fill out Prospective User's Certification Of Purposes For Which Consumer Reports Will Be Used?
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FAQ
A Consumer Credit Report is an "Employment" credit report from one of the major credit bureaus. Consumer credit reports provide information about a candidate's financial history.
Examples of permissible purposes include subpoenas or court orders, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations.
The Fair Credit Reporting Act (FCRA) , 15 U.S.C. § 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs).
A consumer report is background information collected by consumer reporting agencies and used by employers and creditors in determining whether to hire or loan to an individual.
Examples of permissible purposes include subpoenas or court orders, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations.
A consumer report is a report expected to be used or collected in whole or part for the purpose of serving as a factor used in establishing the consumers eligibility for credit or insurance used primarily for personal, family, household, or employment purposes.
A consumer report is any written, oral or other communication of any information by a Consumer Reporting Agency bearing on a consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
It's called ?permissible purpose,? as defined by the Fair Credit Reporting Act or ?FCRA,? and it allows certain companies and employers to access your Equifax credit report in order to make informed decisions about you, such as the likelihood you'll pay your debts or be a good hire.
