Northwest Motorsport pulls credit reports when we have a permissible purpose and a legitimate business need for information contained in a consumer report. Most of the time a credit report is pulled in relation to a request for financing. In these cases, permission for the credit inquiry is collected on a credit application which is either signed and submitted in-person or online. We also inquire about the creditworthiness of a buyer who is presenting a personal check for the payment of a vehicle, even if he or she is not applying for financing. In these cases, we collect the personal information on a credit application but do not send the application to creditors unless backup financing is being established.