According to the rule, which statement is true about the duty of credit reporting agencies to provide a consumer's credit score on request?

• A. They are not obligated to provide the score
• B. They must provide the score within 7 days regardless of cost
• C. They must provide the score for free upon request
• D. They must provide the score only to lenders

Answer: (A)

Under the FACT Act, you have a right to a free annual copy of your credit report, but you do not have a guaranteed right to see your credit score from the credit reporting agencies. The score is a separate product that agencies may offer, often for a fee, and there is no general requirement that the score be provided on request. Therefore, the statement that they are not obligated to provide the score is the best answer. The other options imply duties or costs not imposed by the law: there’s no universal 7-day requirement, no obligation to provide the score for free upon request, and the score isn’t limited only to lenders.