A firm offer plus certified authorization is one route past the limitation
What the document says“``(i) the transaction consists of a firm offer of credit or insurance; and”
The limitation added to section 604(c) of the Fair Credit Reporting Act does not apply where two things are both true. The first, quoted here, is that the transaction consists of a firm offer of credit or insurance. The second is a condition on the other person, and one way to meet it is that the person has submitted documentation to the agency certifying that the person has the authorization of the consumer to whom the report relates, under paragraph (1)(A) of that subsection.
What the document actually says“``(i) the transaction consists of a firm offer of credit or insurance; and”
The deal has to be a firm offer of credit or insurance.
This is one of two tests. Both must be met. The other firm must also show the bureau a paper. The paper says you said yes.
No action is recorded against this proposal. That is not evidence that none has been taken, and nobody has yet read it against the record. See what the tracker does not yet cover.