Volume 9, Edition 8, August 2013

This Month’s Challenge is sponsored by:



The Answer is (C). Under Section 604(a)(3)(A) it is proper to provide a consumer report related to debt collection on a credit transaction. For example, a debt collection related to a judgment for damages incurred in a car wreck would not be a permissible purpose under the FCRA.

A debt collection business approaches you about becoming a customer. Is debt collection a "permissible purpose" so as to allow this business to obtain a consumer report under the FCRA?

A. Yes.

B. Yes, so long as the company does not use the consumer report for any other purpose.

C. Yes, but only if the debts are credit debts.

D. No.


Disclaimer Statement: All information presented is for information purposes only and is not intended to provide professional or legal advise regarding actions to take in any situation. Advertisements are presented for information and marketing purposes only and the National Institute for Prevention of Workplace Violence, Inc. makes no representations for any products or services that are promoted and accepts no responsibility for any actions or consequences that occur as a result of any purchases from advertisers.