| A consumer may request his or her
own credit report at any time. You may not request a credit report for another
consumer. Access to a consumer's credit information is regulated by the Fair Credit
Reporting Act ("FCRA"), and administered by the Federal Trade Commission. Companies
may request a consumer credit report from a credit reporting agency when they
have a "permissible purpose" that qualifies under FCRA regulations. The FCRA specifies
those purposes as the granting of credit, the collection of a debt, the underwriting
of insurance, employment purposes, for issuing a license as required by some government
agencies or for a legitimate business transaction between a business and a consumer.
Obtaining a credit report under false pretenses, or improper use of a credit report
is a violation of federal law. | 
