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You'll also need a "permissible purpose." In general, this means a legitimate business reason, such as offering someone a loan, employment or a home.Other FCRA-approved reasons include helping someone guard against fraud or validating the financial circumstances of a person in a child support case.Please help us keep our community civil and respectful.For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Absolutely, and there are a number of circumstances when you ought to.Consumer credit reports and credit scores can provide valuable insight into an individual's finances.Credit reports and scores aren't updated overnight, and many contain errors.
The same is true if you have power of attorney, which allows you to make financial decisions for someone when they're physically or mentally unable to do so.
Let the report open the conversation, not shut it down.