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Permissible Purpose

The Federal Fair Credit Reporting Act and a number of similar state laws restrict access to consumer credit information. You must have a permissible purpose to order a consumer report. In general, you may access consumer credit information when someone applies to you for personal, family or household credit, or to rent a house or an apartment. You may also access consumer credit information in order to screen prospective employees, provided you comply with certain additional requirements. If you want a consumer report for reasons other than the purposes expressly listed in the law, you must have the consumer's prior written consent.