Under the stated rule, when a consumer requests their credit score from a credit reporting agency, the agency is:

• A. Required to provide it at no cost
• B. Not required to provide it
• C. Required to provide it only with proof of identity
• D. Required to provide it within 10 days

Answer: (B)

Credit reporting agencies must give you access to your credit report, but they are not required to provide a credit score just because you request it. The law guarantees a free annual copy of your credit report from each nationwide reporting agency, and you can obtain that report without charge; a credit score is not mandated to be shared free of charge or simply on demand. Some agencies may offer a score for a fee or as part of a paid product, but there is no general obligation to supply a score upon request.