The Federal Fair Credit Reporting Act and a number of similar state laws restrict access to consumer credit information. You must have a permissible purpose to order a consumer report. In general, except for Vermont, you may access consumer credit information when a consumer applies to you for credit or insurance to be used primarily for personal, family or household purposes or the collection of a credit account of a consumer. You may also access consumer credit information for employment purposes, provided you comply with certain additional requirements. Additionally, consumer credit information may be used for tenant screening.