Which statement best describes the consumer's right to their credit score under this rule?

• A. The consumer has an absolute right to a free score on request
• B. The consumer has no right to see their score at all
• C. The consumer may request the score, but the agency is not required to supply it
• D. The consumer can only obtain the score through a third-party service

Answer: (C)

The key idea here is that you can ask for your credit score, but the agency isn’t obligated to give it to you. Under the rules that govern how consumer reporting agencies operate, you have a right to access the information in your file and to receive your credit report, but supplying the actual credit score isn’t a guaranteed part of those rights. Agencies may provide the score, or they may charge a fee or direct you to third-party services for it. So the statement that best matches this rule is that you may request the score, but the agency is not required to supply it.