Under the FCRA, no person may obtain a consumer report unless it is for a “Permissible Purpose”. A Permissible Purpose includes use of the report for the following reasons:
1. With the consumers written authorization.
2. In connection with the extension of credit as a result of an application from a consumer.
3. In connection with the collection of a consumers account.
4. In making a decision to hire or promote a consumer who has given written permission for the use.
5. In connection with the underwriting of insurance as a result of an application from a consumer.
6. In response to some other legitimate business need arising in connection with a business transaction initiated by the consumer.
7. To determine whether the consumer continues to meet the terms of an account.
8. In a valuation or assessment by a potential investor or servicer, or current insurer, of the credit risks associated with an existing credit obligation. With this being said. It is very hard for any credit bureau to prove that you actually gave permission for a creditor to view your credit report, especially without a physical application.
