Husband calls in to Telephone banking and submits an application for consumer credit, states that it is a joint application and provides the Telephone Banker with all his wife's information. Bank pulls a joint credit report that same day, but the wife doesn't give consent or sign an application. This is a standard call center practice, but technically does his application provide permissible purpose for both? Are there Privacy issues discussing any credit issues that may show up on the wife's report with the husband?