Can a person run a credit report on someone for a non-business reason?
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Can a person run a credit report on someone for a non-business reason?
They run a title company. I have texts also from her.
Asked on September 24, 2012 under General Practice, Wisconsin
Answers:
B.H.F., Member, Texas State Bar / FreeAdvice Contributing Attorney
Answered 11 years ago | Contributor
The FCRA (Fair Credit Reporting Act) actually sets out when someone can run a credit or consumer report on a consumer. The first general category is for business reasons related to the extension of credit, underwriting insurance, or with the consent of a consumer they are about to do business with. Employers are also allowed to run criminal histories on prospective employees. The third category is for agencies to see if the person/applicant meets certain licensing requirements.
A business cannot run a credit report on someone, just out of curiosity or general nosiness. They have to be able to articulate how the request for the report links us to their business.
FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney
Answered 11 years ago | Contributor
Under the laws of all states in this country a private person can pay any credit reporting company a sum of money to run a credit report upon a person for a business or non-business purpose. Such a request is an example of free enterprise in this country.
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