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Under the FCRA, before a lender may obtain a consumer's credit report, it must have:
a.A signed purchase contract
b.The consumer's fingerprint
c.Approval from the state regulator
d.A permissible purpose, such as the consumer's application for credit
Giải thích
FCRA allows a consumer reporting agency to furnish a credit report only for a permissible purpose, such as in connection with a credit transaction initiated by the consumer. A purchase contract, fingerprint, or state approval is not the FCRA standard. Pulling a report without a permissible purpose violates the FCRA.
Trích dẫn luật: FCRALuyện miễn phí toàn bộ 400 câu hỏi — không cần đăng ký.
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