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Please read the following obligations of users under the FCRA. If you agree, click the "I Agree" button at the bottom of the page to proceed with the registration process.
The Federal Fair Credit-Reporting Act (FCRA) requires that this notice be provided to inform users of consumer reports of their legal obligations. State law may impose additional requirements. The FCRA 15 U.S.C. 1681-1681u, is set forth in full at the Federal Trade Commission's web site (http://www.ftc.gov).
I. OBLIGATIONS OF ALL USERS OF CONSUMER REPORTS
a. Users must have permissible Purpose Congress has limited the use of consumer reports to protect consumers' privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. A list of permissible purposes is found in section 604 of the FCRA.
604(a)(1) as ordered by a court or a federal grand jury subpoena
604(a)(2) as instructed by the consumer in writing
604(a)(3)(A) for the extension of credit as a result of an application from a consumer, or the review or collection of a consumer's account
604(a)(3)(B) & 604(b) for employment purposes, including hiring and promotion decisions, where the consumer has given written permission
604(a)(3)(C) for the under writing of insurance as a result of an application from a consumer
604(a)(3)(F)(I) when there is a legitimate business needs in connection with a business transaction that is initiated by the consumer
604(a)(3)(F)(ii) to review a consumer's account to determine whether the consumer continues to meet the terms of the account
604(a)(3)(D) to determine a consumer's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant's financial responsibility or status
604(a)(3)(E) for use by a potential investor or servicer, ore current insurer, in a valuation or assessment of the credit or prepayment risks associated with an existing credit obligation
604(a)(4) & 604(a)(5) for use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof
II OBLIGATIONS OF USERS OF INVESTIGATIVE CONSUMER REPORTS
The user must disclose to the consumer that an investigative consumer report may be obtained. This must be done in a written disclosure that is mailed, or otherwise is delivered, to the consumer not later than three days after the date on which the report was first requested. The disclosure must include a statement informing the consumer of his or her right to request additional disclosures of the nature and scope of the investigation as described in section 609 of the FCRA.
Yes, I read and agree with the guidelines stated above and I wish to continue with the registration process:
