Ocwen, a mortgage loan servicer, periodically reviewed credit reports of borrowers who had received bankruptcy discharges of personal liabiity on debts secured deeds of trust on their homes.  This decision holds that Ocwen did not violate the Fair Credit Reporting Act by doing so.  Ocwen had a permissible pupose in trying to determine whether the borrowers qualified for an alternative to foreclosure of the deeds of trust, and that purpose remained permissible even after the borrowers vacated their homes so long as there was a possibility that they might be enticed back by a sufficiently generous offer of a foreclosure alternative.  Ocwen’s use of the credit reports fit within 15 U.S.C. § 1681b(a)(3)(A), which provides that a consumer report may be obtained when the user “intends to use the information in connection with a credit transaction involving the consumer on whom the report is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.”