Identification
Full legal name, date of birth, and Social Security number or partial SSN for accurate matching and to reduce mistaken matches.
A clear, compliant consent form reduces legal risk, creates an evidence trail of authorization, and clarifies the permitted uses of the consumer report. Proper consent supports regulatory compliance under the FCRA and aligns with e-signature rules under ESIGN/UETA.
The form is used by organizations conducting decision-making based on consumer reports and by the consumers who authorize access.
Signatures are collected from the consumer; an authorized representative signs for the requesting party when internal records or vendor relationships require it.
The individual whose credit or consumer report is requested. The consumer must provide identifiable information and affirmative consent; mismatched identity data can invalidate authorization and trigger FCRA disputes.
The employer, landlord, lender, or vendor representative who certifies purpose and retains the authorization. This party must document permissible purpose and retain consent for compliance and audit purposes.
Full legal name, date of birth, and Social Security number or partial SSN for accurate matching and to reduce mistaken matches.
Clear statement of the reason for the report (employment, tenant screening, credit extension) as required by FCRA.
Which types of reports are allowed (credit, background, motor vehicle) and whether reinvestigations or updates are permitted.
Consumer’s signature (wet or electronic) and date; include signer authentication method and IP/timestamp for electronic records.
Provide the FCRA summary of rights and notice of intent to obtain a consumer report when applicable.
How the consumer may withdraw consent and any limits on revocation (for example, consent already relied upon).
| Field | Configuration |
|---|---|
| Identity Verification | Government ID photo + SSN match |
| Authentication | Email link + SMS one-time passcode |
| Audit Trail | IP, timestamp, and device metadata |
| Storage | Encrypted archive with access logs |
Choose a solution that supports secure e-signatures, strong authentication, and searchable retention for compliance audits.
Ensure the platform provides an auditable certificate of completion (IP, timestamp, signer identity) and supports secure export and long-term encrypted storage for compliance and potential legal review.
Specify duration (commonly one year) to limit reuse risks.
State how and when revocation takes effect after receipt.
CRA investigations generally resolved within 30 days (15 U.S.C. §1681i).
Provide required notices before and after adverse decisions.
Keep authorization per internal policy and applicable law.
An employer requests authorization before checking credit/history for a finance role to comply with FCRA
A property manager obtains consent to run a credit and eviction report for tenancy approval
| signNow | DocuSign | Adobe Sign | PandaDoc | HelloSign | |
|---|---|---|---|---|---|
| Starting Price | $8/user/mo | $15/user/mo | $14/user/mo | $19/user/mo | $15/user/mo |
| Free Trial | Yes, 7-day free trial | Yes (trial available) | Yes (trial available) | Yes (trial available) | Yes (trial available) |
| Bulk Send | Yes | Yes | Yes | Yes | No |
| Audit Trail | Yes | Yes | Yes | Yes | Yes |
| HIPAA Compliant | Yes | Yes | Yes | No | No |