If a consumer asks for their score, which statement best describes the agency's obligation?

• A. The agency must provide the score immediately
• B. The agency has no obligation to provide the score
• C. The agency is required to provide the score within 30 days
• D. The agency must provide the score for a fee only

Answer: (B)

Credit reports and credit scores are two different things. A consumer reporting agency must provide a consumer with a copy of their credit report upon request and must honor the free annual report requirement, but it does not have an obligation to supply the consumer’s credit score. The score is a separate rating produced by scoring models and is not guaranteed to be included in the report or provided for free. If a score is offered, it’s typically available for a fee, and there’s no mandatory obligation to provide it.