Q: What are the authorized purposes for which consumer reports can be furnished?
A: Reports may be furnished only:
• In response to a court order.
• According to the written instructions of the consumer to whom it relates.
• For an extension of credit involving the consumer (or review or collection of the consumer’s account).
• For employment purposes.
• For the underwriting of insurance.
• For a determination of the consumer’s eligibility for a license or other benefit granted by a governmental instrumentality in which the determination of an applicant’s financial responsibility or status is required by law.
• For any other legitimate business need in connection with a business transaction involving the consumer (for example, on a consumer who wishes to establish a checking account in the bank, or for a builder checking the financial condition of a prospective buyer) (16 CFR 604).