1. “Consumer report” means any communication, written or oral, by a reporting agency regarding the payment history of a particular consumer, including information regarding his or her credit worthiness, credit standing or credit capacity, which is intended for present or future use in whole or in part to serve as a factor in determining the consumer’s eligibility for:

(a) Credit or insurance to be used primarily for personal, family or household purposes;

(b) Purposes relating to employment; or

(c) Any other purpose authorized pursuant to 15 U.S.C. §§ 1681 et seq.

2. The term does not include:

(a) A report containing information solely as to transactions or experiences between the consumer and the person making the report;

(b) An authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device;

(c) A report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to the request, if the third party advises the consumer of the name and address of the person to whom the request was made and the person makes the disclosures required pursuant to NRS 598C.170;

(d) A report solely conveying a decision whether to guarantee a check in response to a request by a third party; or

(e) A report created or issued by or to a person licensed pursuant to chapter 463 of NRS relating to any extension of credit by the licensee.

(Added to NRS by 1993, 2460)