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A credit report authorization form grants permission for an individual or organization to access a person's credit report, commonly used in financial situations or lease agreements. Under the Fair Credit Reporting Act, consent from the individual is required before a credit check is performed. This form includes the full names of both the applicant and the authorized party, along with the applicant's social security number, date of birth, driver's license number, and residential history for the past seven years. The process involves explaining the purpose of the credit check, obtaining a signed authorization form, and then running the credit report through agencies like Experian or services like My Smart Move for landlords.