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Sec. 1681a. - Definitions; rules of construction


(l) Firm Offer of Credit or Insurance. -


The term ''firm offer of credit or insurance'' means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that <U>the offer may be further conditioned</U> on one or more of the following:


(2) Verification -


(A) that the consumer continues to meet the specific criteria used to select the consumer for the offer, <U>by using</U> information in a consumer report on the consumer, information in the consumer's application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer; or


(B) of <U>the information in the consumer's application for the credit</U> or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.


(3) The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was -


(A) established before selection of the consumer for the offer of credit or insurance; and


(B) disclosed to the consumer in the offer of credit or insurance.


If that's the information CRAs "use," they "should" be able to verify it.


Randy</FONT>