The credit reports may be shown or discussed with the applicant, but a copy may not be given to the applicant.

Creditors must have a valid credit reason to access a credit report:

• Court orders including federal grand jury subpoenas
• With written permission of consumer
• Underwriting Insurance
• Government agency issuing a license or other benefit (security clearance)
• Secondary or securities loan market operators for evaluation of the quality of a loan portfolio
• Child Support
• Extension of credit
• Review or collection of an existing account
• Employment purposes
• Legitimate business need in connection with a transaction initiated by the consumer including account review and/or monitoring

If a credit report is accessed without a valid reason a $2,500 per report fine, 2 year prison sentence and cancellation of CIC membership may result.

If an applicant wishes to obtain a copy of his/her equifax credit report, have them contact 800-685-1111 or give them the name, address and telephone number of the bureau listed at the top of the credit report so that the applicant may contact that bureau directly.

Do Not Access Your Own Credit Report!!! If a personal copy is desired, please contact one of the credit bureaus for a personal copy.

If you have any questions, please feel free to contact your representative at 800-352-5882.

Further Clarification:

Employment Purpose (PERSONA) requirements:

1. Separate written disclosure in "clear and conspicuous" language that consumer report will be requested must be given to the consumer.
2. Written consent from the consumer must be obtained.
3. The consumer must be provided a copy of his/her consumer credit report before any adverse action is taken.
4. Consumer must be given a copy of his/her rights by law in the event of adverse action.
5. Information may not be used in violation of any applicable federal or state equal employment opportunity laws or regulations.

Child Support requirements:

1. The consumer credit report is used only to determine child support payments.
2. The paternity of the child has been established.
3. The consumer whose report is being requested must be notified ten days prior to submitting credit report request.
4. Report will be kept confidential and used only for child support purposes.