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When a consumer applies for non-mortgage credit, such as a credit card, unsecured line of credit, or installment loan (e.g. for an automobile, or furniture), the potential creditor (data user) can request a credit report (with or without a credit score) from one, two, or three of the credit repositories. A repository that receives such a request will send the credit report to the potential creditor, and record an inquiry on the consumer’ s credit report. The creditor can use the information in the credit report to help decide whether to extend or deny credit to the consumer,. | Report to Congress Under Sections 318 and 319 of the Fair and Accurate Credit Transactions Act of 2003 Federal Trade Commission December 2004 Federal Trade Commission Report to Congress Under Sections 318 and 319 of the Fair and Accurate Credit Transactions Act of 2003 December 2004 Federal Trade Commission Deborah Platt Majoras Chairman Orson Swindle Commissioner Thomas B. Leary Commissioner Pamela Jones Harbour Commissioner Jon Leibowitz .
