Permissible Purpose Check

Coming soon. Before you pull a credit report, use skip-trace data or reuse client data: is there a permissible purpose under FCRA, GLBA and DPPA?

Checks each planned pull or use of consumer data in collection. Credit reports and skip-trace reports need review or collection of the consumer's own account (FCRA 604(a)(3)(A)): blocks pulls on non-liable spouses, relatives and authorized users, paid, settled, discharged, identity-theft and recalled accounts, pulls without an end-user certification, pre-purchase portfolio reviews, marketing, prescreened lists, employment and resale. Credit header data only under your vendor's GLBA exception, client data only to collect that account (Reg P 1016.11), and motor vehicle records only under DPPA 2721(b)(3)(B) or (b)(4). Returns permitted, permitted with conditions, or not permitted with citations. Up to 1,000 checks per call; facts only. Early access pending legal review. Not legal advice.

Status: Coming soon. Pricing is set at launch.

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