If a consumer requests their score, what is the agency's obligation according to the rule?

• A. Provide the score within 5 business days
• B. Provide the score without any verification
• C. Not be required to provide the score
• D. Automatically update the score on the consumer's file

Answer: (C)

When a consumer asks for information from a consumer reporting agency, the agency must provide access to the consumer’s file and the information contained in it. A credit score, however, is a separate product and is not required to be provided simply because the consumer requests it. The agency may offer a score as a paid product or as part of other services, but there is no automatic obligation to disclose the score. If the consumer wants a score, they can obtain it from the score provider or through a lender, but the core obligation is to supply the file contents, not the score.