Which option best describes the availability of a credit score on request under the rule?

• A. It is always available at no charge
• B. It is always available through a special program
• C. It is never available on request
• D. It is not guaranteed to be provided on request

Answer: (D)

This item tests whether access to a credit score on request is guaranteed under the rule. The Credit Score Disclosure Rule does not require every creditor to provide a score simply because a consumer asks for it. Instead, the obligation to disclose the score applies only in specific situations, such as when the lender used the score to make a credit decision or when adverse action is taken based on the score. Outside those circumstances, there isn’t a blanket guarantee that the score will be provided on request. So the correct takeaway is that it is not guaranteed to be provided on request. (Note: you can still obtain your general credit report for free annually through the FCRA, but the score itself isn’t universally guaranteed on request.)