Re: Debt to Income


From the information you’ve given it doesn’t sound like you have a permissible purpose to pull a credit report on the spouse since they won’t have any connection to the transaction (e.g. co-signor, co-applicant, etc). Look at the FCRA section 604 for permissible purposes. Section 604(c)(1) gives information on pulling a credit report for transactions not initiated by the customer – basically, it has to consist of a firm offer of credit (prescreen/solicitation of credit). Section 604(a) gives the general permissible purposes. 604(a)(3)(A) or (F) is your permissible purpose for you applicant, but it wouldn’t cover the non-applicant spouse.