The Fair Credit Reporting Act states that anyone who uses a credit report must have a permissible purpose in doing so. For example, if they give written permission for your credit report to be pulled, if they have applied for credit, or if there is another legitimate business need for the credit report, a business has a permissible purpose for pulling your credit report. There is an FTC opinion stating that it is permissible for a dealer to obtain a credit report only in those circumstances in which the consumer clearly understands that he or she is initiating the purchase or lease of a vehicle and the seller has a legitimate business need for the consumer report information in order to complete the transaction.
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