Which statement aligns with the rule about credit scores on request?

• A. A consumer is guaranteed free access to their score on request
• B. A consumer should contact the creditor first to obtain their score
• C. The agency is not required to supply the score on request
• D. The agency must provide the score if the consumer has paid a fee

Answer: (C)

Credit scores and credit reports are separate. The law gives consumers the right to a free copy of their annual credit report from each nationwide consumer reporting agency, but the credit score itself is not part of that free report and the agency is not required to provide the score simply on request. They may offer the score for a fee, but there’s no guaranteed obligation to disclose it for free or upon payment. The other statements imply guarantees or obligations that the law does not require, so the correct view is that the agency is not required to supply the score on request.