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| There are two types of reports covered
by this law: |
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 1. |
Consumer Report
is any written, oral or other communication of any information
by a consumer reporting agency (Secure Solutions) bearing
on a consumer's credit worthiness, credit standing, credit
capacity, character, general reputation, personal characteristics,
or mode of living used in whole or in part as a factor
in establishing a consumer's eligibility for credit, employment,
insurance or other benefits. These are "Records Only"
type reports which do not include interviews with current
or former employers, schools or other institutions, or
business or personal references. |
2. |
Investigative Consumer Report
is a consumer report that contains information bearing
on the consumer's character, general reputation, personal
characteristics, or mode of living OBTAINED THROUGH PERSONAL
INTERVIEWS WITH FRIENDS OR ASSOCIATES OF THE CONSUMER.
These are reports that contain interview information from
current or former employers, schools or other institutions,
or business or personal references. |
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