Which of the following is a correct interpretation of the rule regarding providing scores on request?

• A. A consumer can always obtain the score directly from the agency for free
• B. A consumer can obtain the score only through a paid service
• C. The rule requires the agency to provide the score on request
• D. A consumer is not guaranteed the score on request

Answer: (D)

The rule about providing scores on request centers on access rights without guaranteeing a specific outcome. Consumers have the right to obtain information in their credit file from a consumer reporting agency, and they can request a copy of their report. However, there is no entitlement to receive a numeric credit score simply by requesting it. Credit scores are additional products that some agencies or lenders may offer, often for a fee or under certain conditions, but the law does not guarantee that a score will always be provided on request. So, the correct interpretation is that a consumer is not guaranteed the score on request.