Fair Credit Reporting Act

It's illegal under the Fair Credit Reporting Act (Public Law 901-508) to access an individual's full credit report without a signed release from him or her unless you have a "permissible purpose" for doing so. 

The permissible purposes are: extension of credit, employment purposes, insurance underwriting, and the granting of professional licenses. 

As a result of the new Graham, Leach, Bliley Act (passed November, 1999 and effective July 1, 2001),  it is now also illegal to access the so-called "header information" in the individual's credit report without a permissable purpose.  Headers are the top part of the credit reports and contain the individual's basic identifying information, such as full name, date of birth, address, age, social security number, and, sometimes, employment. 

In addition to having a permissible purpose under the FCRA, you also need access to credit bureau files. At present, the three major bureaus are quite restrictive regarding whom they will permit access to (mainly banks, collection agencies, and loan companies); private investigators, for example, are not permitted direct access and must obtain credit reports through third-party vendors, also known as secondary bureaus. 

<content>

Speedscan  Check Background Record  Internet Boost  Download Software  Internet Accelerator  Software  Background Check  Internet Connection Speed  Remote Monitoring  Records Search  Background Investigations  Asset Search  Lawsuit Find  Check Criminal Records  Internet Detective  Phone Search  Detective Software  DVD Software  Software to search  Backup DVD  Store  Monitoring  Speed  Net Detective  Unclaimed Property  DVD Copy  Internet Access  MP3 WMA WAV Converter  Pocket WebCopier  DVD Clone  Background Search  Background Investigation  PC cleaning program  Copy DVD Software Criminal Records