Alabama Private Investigator Practice Exam

Are there good reasons for an LPI not to pull a credit report in a pre-marital background investigation?

1. Yes, it will show up on the target's credit report

2. No, it is always necessary

3. Yes, it is illegal

4. No, it can be useful information

The correct answer is: Yes, it will show up on the target's credit report

In a pre-marital background investigation, there can be valid concerns regarding the privacy and implications of pulling a credit report. One significant reason not to pull a credit report is that the inquiry itself becomes part of the target's credit history. This can potentially impact their credit score, especially if multiple inquiries occur in a short period, signaling to creditors that the individual may be seeking new debt. Furthermore, individuals may not be comfortable having their credit report pulled by someone they are getting to know, particularly in a personal context such as a pre-marital investigation. Respecting the target’s privacy and introducing trust in the relationship can be equally important considerations. While there are certainly advantages to obtaining a credit report, such as discerning financial responsibility or uncovering undisclosed financial issues, the potential negative consequences of doing so—such as the perceived invasion of privacy or the impact on credit—create a reasonable basis for not including this step, particularly if it poses undue stress or concern for the individual being investigated. Understanding these nuances can help private investigators make informed decisions in their thoroughness and sensitivity towards subjects in their inquiries.