Miguel is the manager of the Shop Ur Sale store in Anytown, USA. Miguel noticed that inventory has gone missing and suspects one of the employees might be stealing. Rather than confront the employees, Miguel decides to do some investigating first. Miguel plans to order consumer credit reports on the employees, hoping to discover that one of the employees is having financial difficulties that will allow Miguel to identify the suspect. Which of the following statements is true?

Group of answer choices

Shop Ur Sale, as the employer, has a legal right under the Fair Credit Reporting Act to access the consumer credit reports of its employees at its discretion.

Shop Ur Sale can request the information from the consumer credit reporting agencies, but under the Fair Credit Reporting Act, the consumer credit reporting agency can use its discretion in determining whether to provide the reports.

Shop Ur Sale must get the permission of the employees before requesting a consumer credit report.

Shop Ur Sale can get the consumer credit reports from one agency, but not all three.