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To: (Bob) Zumbrunnen who wrote (2359)	1/21/2002 9:57:11 PM
From: WTMHouston	Read Replies (1) of 12465

<<I wonder if credit information is also just as easily obtained. On RB, he posted the name of one of my banks and some other credit-specific stuff.>> No, it is not. The Fair Credit Reporting Act (FCRA) places some very strict limits on who can obtain credit reports and for what purposes. Those that obtain them for improper purposes (as defined by the statute), or more appropriately for other than proper and allowed purposes, are subject to civil and criminal liability. If he (or anyone else) pulled your credit report outside the scope of the FCRA, you have an action against him. You can collect statutory damages and attorney fees. It is a wonderful law. Everyone should routinely check their credit report and look at the inquiries. If one looks out of place, like from a private investigator, it is time to see an attorney. A credit report cannot be obtained with a subpoena. It requires a court order. Insurance companies used to pull credit reports when they were evaluating claims. Many of them ended up paying large amounts for their arrogance. Troy

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