I am still struggling with an issue here. I reread the Act this morning. It talks about permissible purposes, etc. but I feel that most of these purposes implies that the user of the report (one the one requesting the report from a credit reporting agency) obtain some kind of written ok from the customer. However, I don't see where that is written except for employment issues. Can you site the aexact article or is it in another reg...like B?? I am working with our subsisiary ins. agency and we are at odds with whether or not they need written ok to get a fresh report (already a customer of the agency). Thanks!!