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A credit bureau may issue your credit report only when:

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• your application for credit or your offer to act as a guarantor for another person who has applied for a loan, is being considered;               

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• the information is to be used in connection with:

- the purchase or collection of  your debt;

- your entering into or renewing a  tenancy agreement;

- your entering into a business or other credit transaction;

- an insurance contract is being underwritten for you; and

- a pre-employment check by a prospective employer or an agent of the

- prospective employer for a position involving significant financial risk.