Under what circumstances would you check the box "Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency." on the Notice of Action Taken form?

Whenever you use a non-CRA third party that reports on the credit character of the applicant. You call a landlord and ask about the payment of rent and the landlord tells you that you are consistently 60 days late and you deny the loan because of it.